<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>                                         1.73  
<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>