<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
     THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
FINANCIAL STATEMENTS AS OF AND FOR THE PERIOD ENDED SEPTEMBER 30, 1997, AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER>                                     1,000

<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               DEC-31-1997
<CASH>                                           8,108
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 8,057
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     37,330
<INVESTMENTS-CARRYING>                          24,149
<INVESTMENTS-MARKET>                            24,257
<LOANS>                                        185,293
<ALLOWANCE>                                      2,538
<TOTAL-ASSETS>                                 267,029
<DEPOSITS>                                     224,914
<SHORT-TERM>                                    10,264
<LIABILITIES-OTHER>                                880
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            12
<OTHER-SE>                                      30,960
<TOTAL-LIABILITIES-AND-EQUITY>                 267,029
<INTEREST-LOAN>                                 15,660
<INTEREST-INVEST>                                3,481
<INTEREST-OTHER>                                   531
<INTEREST-TOTAL>                                19,672
<INTEREST-DEPOSIT>                               8,132
<INTEREST-EXPENSE>                               8,596
<INTEREST-INCOME-NET>                           11,076
<LOAN-LOSSES>                                      225
<SECURITIES-GAINS>                                   6
<EXPENSE-OTHER>                                  5,828
<INCOME-PRETAX>                                  5,736
<INCOME-PRE-EXTRAORDINARY>                       3,674
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,674
<EPS-PRIMARY>                                     3.09
<EPS-DILUTED>                                     3.06
<YIELD-ACTUAL>                                    8.08
<LOANS-NON>                                      1,282
<LOANS-PAST>                                     1,422
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  6,787
<ALLOWANCE-OPEN>                                 2,728
<CHARGE-OFFS>                                      474
<RECOVERIES>                                        59
<ALLOWANCE-CLOSE>                                2,538
<ALLOWANCE-DOMESTIC>                             2,538
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            376



</TABLE>