<TABLE> <S> <C>


<ARTICLE>                                                                    9
<MULTIPLIER>                                                             1,000
       
<S>                                                                      <C>
<PERIOD-TYPE>                                                             9-MOS
<FISCAL-YEAR-END>                                                   DEC-31-1997
<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>                                                               .89
<YIELD-ACTUAL>                                                             4.16
<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>