<TABLE> <S> <C>

<ARTICLE>  9
<MULTIPLIER>  1,000
       
<S>                                                           <C>
<PERIOD-TYPE>                                                 9-MOS
<FISCAL-YEAR-END>                                                                                       DEC-31-1997
<PERIOD-END>                                                                                            SEP-30-1997
<CASH>                                                                                                        9,468
<INT-BEARING-DEPOSITS>                                                                                            0
<FED-FUNDS-SOLD>                                                                                              4,166
<TRADING-ASSETS>                                                                                                  0
<INVESTMENTS-HELD-FOR-SALE>                                                                                  70,090
<INVESTMENTS-CARRYING>                                                                                       42,743
<INVESTMENTS-MARKET>                                                                                         43,001
<LOANS>                                                                                                     158,917
<ALLOWANCE>                                                                                                   2,657
<TOTAL-ASSETS>                                                                                              291,494
<DEPOSITS>                                                                                                  254,873
<SHORT-TERM>                                                                                                  9,226
<LIABILITIES-OTHER>                                                                                           2,280
<LONG-TERM>                                                                                                       0
<PREFERRED-MANDATORY>                                                                                             0
<PREFERRED>                                                                                                       0
<COMMON>                                                                                                      1,785
<OTHER-SE>                                                                                                   23,330
<TOTAL-LIABILITIES-AND-EQUITY>                                                                              291,494
<INTEREST-LOAN>                                                                                              10,600
<INTEREST-INVEST>                                                                                             4,959
<INTEREST-OTHER>                                                                                                154
<INTEREST-TOTAL>                                                                                             15,713
<INTEREST-DEPOSIT>                                                                                            6,485
<INTEREST-EXPENSE>                                                                                            6,710
<INTEREST-INCOME-NET>                                                                                         9,003
<LOAN-LOSSES>                                                                                                   300
<SECURITIES-GAINS>                                                                                              165
<EXPENSE-OTHER>                                                                                               6,763
<INCOME-PRETAX>                                                                                               3,490
<INCOME-PRE-EXTRAORDINARY>                                                                                    2,482
<EXTRAORDINARY>                                                                                                   0
<CHANGES>                                                                                                         0
<NET-INCOME>                                                                                                  2,482
<EPS-PRIMARY>                                                                                                  1.74
<EPS-DILUTED>                                                                                                  1.74
<YIELD-ACTUAL>                                                                                                 4.64
<LOANS-NON>                                                                                                   2,022
<LOANS-PAST>                                                                                                    113
<LOANS-TROUBLED>                                                                                                  0
<LOANS-PROBLEM>                                                                                               4,684
<ALLOWANCE-OPEN>                                                                                              2,585
<CHARGE-OFFS>                                                                                                   246
<RECOVERIES>                                                                                                     18
<ALLOWANCE-CLOSE>                                                                                             2,657
<ALLOWANCE-DOMESTIC>                                                                                          2,657
<ALLOWANCE-FOREIGN>                                                                                               0
<ALLOWANCE-UNALLOCATED>                                                                                       1,589
        

</TABLE>