<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
This  schedule  contains  summary  financial   information  extracted  from  the
Consolidated Balance Sheet at September 30, 1997, and the Consolidated Statement
of Income for the Nine Months Ended  September  30, 1997 and is qualified in its
entirety by reference to such financial statements.
</LEGEND>
       
<MULTIPLIER>    1,000
<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               SEP-30-1997
<CASH>                                           8,924
<INT-BEARING-DEPOSITS>                              43
<FED-FUNDS-SOLD>                                 9,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     26,186
<INVESTMENTS-CARRYING>                           7,193
<INVESTMENTS-MARKET>                             7,327
<LOANS>                                        237,620
<ALLOWANCE>                                      3,503
<TOTAL-ASSETS>                                 297,153
<DEPOSITS>                                     256,224
<SHORT-TERM>                                     5,589
<LIABILITIES-OTHER>                              3,733
<LONG-TERM>                                     10,450
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         4,416
<OTHER-SE>                                      16,741
<TOTAL-LIABILITIES-AND-EQUITY>                 297,153
<INTEREST-LOAN>                                 20,049
<INTEREST-INVEST>                                1,966
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                22,015
<INTEREST-DEPOSIT>                               8,077
<INTEREST-EXPENSE>                               9,305
<INTEREST-INCOME-NET>                           12,107
<LOAN-LOSSES>                                    1,075
<SECURITIES-GAINS>                                  38
<EXPENSE-OTHER>                                  9,171
<INCOME-PRETAX>                                  4,067
<INCOME-PRE-EXTRAORDINARY>                       4,067
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,642
<EPS-PRIMARY>                                     0.64
<EPS-DILUTED>                                     0.63
<YIELD-ACTUAL>                                    6.38
<LOANS-NON>                                      1,875
<LOANS-PAST>                                       422
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  4,042
<ALLOWANCE-OPEN>                                 3,160
<CHARGE-OFFS>                                    1,007
<RECOVERIES>                                       275
<ALLOWANCE-CLOSE>                                3,503
<ALLOWANCE-DOMESTIC>                             3,503
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>