<TABLE> <S> <C>


<ARTICLE>                                            9
<MULTIPLIER>                                      1000
       
<S>                                            <C>
<PERIOD-TYPE>                                  9-MOS
<FISCAL-YEAR-END>                              DEC-31-1997
<PERIOD-END>                                   SEP-30-1997
<CASH>                                               2,849
<INT-BEARING-DEPOSITS>                                 682
<FED-FUNDS-SOLD>                                     4,000
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                          9,788
<INVESTMENTS-CARRYING>                             150,055
<INVESTMENTS-MARKET>                               150,218
<LOANS>                                            146,165
<ALLOWANCE>                                          1,119
<TOTAL-ASSETS>                                     324,425
<DEPOSITS>                                         226,264
<SHORT-TERM>                                        49,500
<LIABILITIES-OTHER>                                  1,754
<LONG-TERM>                                          9,000
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                               304
<OTHER-SE>                                          37,599
<TOTAL-LIABILITIES-AND-EQUITY>                     324,425
<INTEREST-LOAN>                                      7,112
<INTEREST-INVEST>                                    8,189
<INTEREST-OTHER>                                         0
<INTEREST-TOTAL>                                    15,301
<INTEREST-DEPOSIT>                                   7,640
<INTEREST-EXPENSE>                                   1,712
<INTEREST-INCOME-NET>                                5,949
<LOAN-LOSSES>                                          180
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                      3,881
<INCOME-PRETAX>                                      2,186
<INCOME-PRE-EXTRAORDINARY>                           1,371
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                         1,371
<EPS-PRIMARY>                                         0.54
<EPS-DILUTED>                                         0.53
<YIELD-ACTUAL>                                        2.69
<LOANS-NON>                                          2,461 
<LOANS-PAST>                                             0
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                      1,953
<ALLOWANCE-OPEN>                                     1,060
<CHARGE-OFFS>                                            1
<RECOVERIES>                                             0
<ALLOWANCE-CLOSE>                                    1,119
<ALLOWANCE-DOMESTIC>                                 1,119
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                              1,119
        


</TABLE>