<ARTICLE>                                            9
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                              DEC-31-1997
<PERIOD-START>                                 JUL-01-1997
<PERIOD-END>                                   SEP-30-1997
<CASH>                                         153,226
<INT-BEARING-DEPOSITS>                         0
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<INTEREST-INVEST>                              55,640
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<INTEREST-EXPENSE>                             116,506
<INTEREST-INCOME-NET>                          159,507
<LOAN-LOSSES>                                  5,250
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<EXPENSE-OTHER>                                90,354
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