<TABLE> <S> <C>


<ARTICLE>                                            9
       
<S>                             <C>                      <C>                   
<PERIOD-TYPE>                   9-MOS                    3-MOS             
<FISCAL-YEAR-END>                      DEC-31-1997              DEC-31-1997
<PERIOD-END>                           SEP-30-1997              SEP-30-1997
<CASH>                                       9,635                    9,635
<INT-BEARING-DEPOSITS>                         319                      319
<FED-FUNDS-SOLD>                             2,800                    2,800
<TRADING-ASSETS>                                 0                        0
<INVESTMENTS-HELD-FOR-SALE>                 70,819                   70,819
<INVESTMENTS-CARRYING>                      24,029                   24,029
<INVESTMENTS-MARKET>                        24,370                   24,370
<LOANS>                                    167,167                  167,167
<ALLOWANCE>                                  3,050                    3,050
<TOTAL-ASSETS>                             290,389                  290,389
<DEPOSITS>                                 229,549                  229,549
<SHORT-TERM>                                14,823                   14,823
<LIABILITIES-OTHER>                          2,033                    2,033
<LONG-TERM>                                 20,648                   20,648
<PREFERRED-MANDATORY>                            0                        0
<PREFERRED>                                      0                        0
<COMMON>                                     8,128                    8,128
<OTHER-SE>                                  15,209                   15,209
<TOTAL-LIABILITIES-AND-EQUITY>             290,389                  290,389
<INTEREST-LOAN>                             11,907                    3,907
<INTEREST-INVEST>                            3,364                    1,234
<INTEREST-OTHER>                                 0                        0
<INTEREST-TOTAL>                            15,271                    5,141
<INTEREST-DEPOSIT>                           7,136                    2,431
<INTEREST-EXPENSE>                           7,741                    2,706
<INTEREST-INCOME-NET>                        7,530                    2,435
<LOAN-LOSSES>                                1,060                      400
<SECURITIES-GAINS>                               9                       12
<EXPENSE-OTHER>                              6,905                    2,415
<INCOME-PRETAX>                              1,700                      305
<INCOME-PRE-EXTRAORDINARY>                   1,700                      305
<EXTRAORDINARY>                                  0                        0
<CHANGES>                                        0                        0
<NET-INCOME>                                 1,637                      391
<EPS-PRIMARY>                                 1.01                     0.24
<EPS-DILUTED>                                    0                        0
<YIELD-ACTUAL>                                8.24                     8.12
<LOANS-NON>                                  3,409                    3,409
<LOANS-PAST>                                 2,099                    2,099
<LOANS-TROUBLED>                                 0                        0
<LOANS-PROBLEM>                                  0                        0
<ALLOWANCE-OPEN>                             2,100                    2,679
<CHARGE-OFFS>                                  128                       41
<RECOVERIES>                                    18                       12
<ALLOWANCE-CLOSE>                            3,050                    3,050
<ALLOWANCE-DOMESTIC>                         3,050                    3,050
<ALLOWANCE-FOREIGN>                              0                        0
<ALLOWANCE-UNALLOCATED>                          0                        0
        


</TABLE>