<TABLE> <S> <C>


<ARTICLE>                                              9
               
<MULTIPLIER>                                       1,000

       
<S>                                                 <C>
<PERIOD-TYPE>                                       9-MOS
<FISCAL-YEAR-END>                             DEC-31-1996
<PERIOD-START>                                JAN-01-1997
<PERIOD-END>                                  SEP-30-1997
<CASH>                                              3,150
<INT-BEARING-DEPOSITS>                                954
<FED-FUNDS-SOLD>                                      300
<TRADING-ASSETS>                                        0
<INVESTMENTS-HELD-FOR-SALE>                         5,152
<INVESTMENTS-CARRYING>                              9,596
<INVESTMENTS-MARKET>                                9,554
<LOANS>                                           112,525
<ALLOWANCE>                                         1,199
<TOTAL-ASSETS>                                    138,461
<DEPOSITS>                                        115,676
<SHORT-TERM>                                        3,000
<LIABILITIES-OTHER>                                 2,174
<LONG-TERM>                                             0
<PREFERRED-MANDATORY>                                   0
<PREFERRED>                                             0
<COMMON>                                                0
<OTHER-SE>                                         17,611
<TOTAL-LIABILITIES-AND-EQUITY>                    138,461
<INTEREST-LOAN>                                     6,834
<INTEREST-INVEST>                                     784
<INTEREST-OTHER>                                      261
<INTEREST-TOTAL>                                    7,879
<INTEREST-DEPOSIT>                                  3,654
<INTEREST-EXPENSE>                                  3,747
<INTEREST-INCOME-NET>                               4,132
<LOAN-LOSSES>                                         238
<SECURITIES-GAINS>                                     (4)
<EXPENSE-OTHER>                                     3,124
<INCOME-PRETAX>                                     1,640
<INCOME-PRE-EXTRAORDINARY>                          1,640
<EXTRAORDINARY>                                         0
<CHANGES>                                               0
<NET-INCOME>                                          980
<EPS-PRIMARY>                                         .90
<EPS-DILUTED>                                         .90
<YIELD-ACTUAL>                                       4.13
<LOANS-NON>                                             0
<LOANS-PAST>                                          897
<LOANS-TROUBLED>                                        0
<LOANS-PROBLEM>                                         0
<ALLOWANCE-OPEN>                                    1,074
<CHARGE-OFFS>                                         172
<RECOVERIES>                                           59
<ALLOWANCE-CLOSE>                                   1,199
<ALLOWANCE-DOMESTIC>                                   24
<ALLOWANCE-FOREIGN>                                     0
<ALLOWANCE-UNALLOCATED>                             1,175
        


</TABLE>