<ARTICLE> 9 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-END> SEP-30-1997 <CASH> 3,200 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 25,785 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 34,295 <INVESTMENTS-CARRYING> 6,225 <INVESTMENTS-MARKET> 6,178 <LOANS> 37,308 <ALLOWANCE> 5,991 <TOTAL-ASSETS> 111,868 <DEPOSITS> 96,717 <SHORT-TERM> 0 <LIABILITIES-OTHER> 2,259 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 111 <COMMON> 317 <OTHER-SE> 0 <TOTAL-LIABILITIES-AND-EQUITY> 111,868 <INTEREST-LOAN> 3,473 <INTEREST-INVEST> 2,543 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 6,016 <INTEREST-DEPOSIT> 2,113 <INTEREST-EXPENSE> 2,113 <INTEREST-INCOME-NET> 3,903 <LOAN-LOSSES> 0 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 5,690 <INCOME-PRETAX> 731 <INCOME-PRE-EXTRAORDINARY> 731 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 727 <EPS-PRIMARY> .02 <EPS-DILUTED> .02 <YIELD-ACTUAL> 5.2 <LOANS-NON> 207 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 5,663 <CHARGE-OFFS> 0 <RECOVERIES> 328 <ALLOWANCE-CLOSE> 5,991 <ALLOWANCE-DOMESTIC> 5,991 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0