<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
SEPTEMBER 30, 1997 10-QSB FINANCIAL STATEMENTS OF PINNACLE BANCSHARES, INC. AND
IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
<CURRENCY> U.S. DOLLARS
       
<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               SEP-30-1997
<EXCHANGE-RATE>                                      1
<CASH>                                           1,132
<INT-BEARING-DEPOSITS>                             199
<FED-FUNDS-SOLD>                                 5,080
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     11,219
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         18,770
<ALLOWANCE>                                        883
<TOTAL-ASSETS>                                  38,077
<DEPOSITS>                                      30,551
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                334
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             1
<OTHER-SE>                                       7,191
<TOTAL-LIABILITIES-AND-EQUITY>                  38,077
<INTEREST-LOAN>                                  1,513
<INTEREST-INVEST>                                  676
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 2,189
<INTEREST-DEPOSIT>                                 895
<INTEREST-EXPENSE>                                 897
<INTEREST-INCOME-NET>                            1,292
<LOAN-LOSSES>                                       15
<SECURITIES-GAINS>                                   2
<EXPENSE-OTHER>                                  1,176
<INCOME-PRETAX>                                    349
<INCOME-PRE-EXTRAORDINARY>                         349
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       205
<EPS-PRIMARY>                                      .32
<EPS-DILUTED>                                      .32
<YIELD-ACTUAL>                                    6.37
<LOANS-NON>                                         50
<LOANS-PAST>                                         1
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   889
<CHARGE-OFFS>                                      118
<RECOVERIES>                                        97
<ALLOWANCE-CLOSE>                                  883
<ALLOWANCE-DOMESTIC>                               883
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>