<TABLE> <S> <C>
                                                                
<ARTICLE> 9                                      
<MULTIPLIER> 1000                                   
                                                                      
<S>                             <S>                   <C>              
<PERIOD-TYPE>                   9-MOS                                  
<FISCAL-YEAR-END>               DEC-31-1997                            
<PERIOD-END>                    SEP-30-1997                            
<CASH>                                             7,573              
<INT-BEARING-DEPOSITS>                                 0              
<FED-FUNDS-SOLD>                                   4,800              
<TRADING-ASSETS>                                       0              
<INVESTMENTS-HELD-FOR-SALE>                       18,839              
<INVESTMENTS-CARRYING>                            10,017              
<INVESTMENTS-MARKET>                               9,758              
<LOANS>                                           76,024              
<ALLOWANCE>                                          929              
<TOTAL-ASSETS>                                   119,630              
<DEPOSITS>                                       106,230              
<SHORT-TERM>                                           0              
<LIABILITIES-OTHER>                                  941              
<LONG-TERM>                                            0              
<PREFERRED-MANDATORY>                                  0              
<PREFERRED>                                            0              
<COMMON>                                          11,210              
<OTHER-SE>                                           678              
<TOTAL-LIABILITIES-AND-EQUITY>                   119,630              
<INTEREST-LOAN>                                    5,233              
<INTEREST-INVEST>                                  1,211              
<INTEREST-OTHER>                                      40              
<INTEREST-TOTAL>                                   6,484              
<INTEREST-DEPOSIT>                                 2,754              
<INTEREST-EXPENSE>                                    32              
<INTEREST-INCOME-NET>                              3,698              
<LOAN-LOSSES>                                        112              
<SECURITIES-GAINS>                                  (15)              
<EXPENSE-OTHER>                                    3,337              
<INCOME-PRETAX>                                      900              
<INCOME-PRE-EXTRAORDINARY>                           534              
<EXTRAORDINARY>                                        0              
<CHANGES>                                              0              
<NET-INCOME>                                         534              
<EPS-PRIMARY>                                       0.32              
<EPS-DILUTED>                                       0.32              
<YIELD-ACTUAL>                                      4.11              
<LOANS-NON>                                           52              
<LOANS-PAST>                                         142              
<LOANS-TROUBLED>                                       0              
<LOANS-PROBLEM>                                      627              
<ALLOWANCE-OPEN>                                     866              
<CHARGE-OFFS>                                         56              
<RECOVERIES>                                           7              
<ALLOWANCE-CLOSE>                                    929              
<ALLOWANCE-DOMESTIC>                                 929              
<ALLOWANCE-FOREIGN>                                    0              
<ALLOWANCE-UNALLOCATED>                              899                
                                                                      

</TABLE>