<TABLE> <S> <C>


<ARTICLE>                                   9
<LEGEND>

THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
REGISTRANT'S UNAUDITED SEPTEMBER 30, 1997 FINANCIAL STATEMENTS AND IS QUALIFIED
IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.

</LEGEND>
       

<S>                                         <C>
<PERIOD-TYPE>                               9-MOS
<FISCAL-YEAR-END>                                               DEC-31-1997
<PERIOD-END>                                                    SEP-30-1997
<CASH>                                                           13,028,000
<INT-BEARING-DEPOSITS>                                                    0
<FED-FUNDS-SOLD>                                                      2,500
<TRADING-ASSETS>                                                          0
<INVESTMENTS-HELD-FOR-SALE>                                      14,592,000
<INVESTMENTS-CARRYING>                                                    0
<INVESTMENTS-MARKET>                                             26,573,000
<LOANS>                                                          83,444,000
<ALLOWANCE>                                                       1,009,000
<TOTAL-ASSETS>                                                  142,587,000
<DEPOSITS>                                                      127,315,000
<SHORT-TERM>                                                              0
<LIABILITIES-OTHER>                                                 609,000
<LONG-TERM>                                                               0
<PREFERRED-MANDATORY>                                                     0
<PREFERRED>                                                               0
<COMMON>                                                         13,342,000
<OTHER-SE>                                                        1,321,000
<TOTAL-LIABILITIES-AND-EQUITY>                                  142,587,000
<INTEREST-LOAN>                                                   5,361,000
<INTEREST-INVEST>                                                 1,789,000
<INTEREST-OTHER>                                                    253,000
<INTEREST-TOTAL>                                                  7,403,000
<INTEREST-DEPOSIT>                                                2,395,000
<INTEREST-EXPENSE>                                                2,402,000
<INTEREST-INCOME-NET>                                             5,001,000
<LOAN-LOSSES>                                                       160,000
<SECURITIES-GAINS>                                                        0
<EXPENSE-OTHER>                                                   3,246,000
<INCOME-PRETAX>                                                   2,393,000
<INCOME-PRE-EXTRAORDINARY>                                        2,393,000
<EXTRAORDINARY>                                                           0
<CHANGES>                                                                 0
<NET-INCOME>                                                      1,453,000
<EPS-PRIMARY>                                                          1.18
<EPS-DILUTED>                                                          1.18
<YIELD-ACTUAL>                                                         5.28
<LOANS-NON>                                                         439,000
<LOANS-PAST>                                                        446,000
<LOANS-TROUBLED>                                                          0
<LOANS-PROBLEM>                                                           0
<ALLOWANCE-OPEN>                                                    861,000
<CHARGE-OFFS>                                                        12,000
<RECOVERIES>                                                        160,000
<ALLOWANCE-CLOSE>                                                 1,009,000
<ALLOWANCE-DOMESTIC>                                              1,009,000
<ALLOWANCE-FOREIGN>                                                       0
<ALLOWANCE-UNALLOCATED>                                             215,000
        



</TABLE>