<ARTICLE> 9
<LEGEND>
 This schedule contains summary financial information extracted from the
Company's consolidated statements of income and consolidated balance sheets
 and is qualified in its entirety by reference to such financial statements.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               SEP-30-1997
<CASH>                                           3,761
<INT-BEARING-DEPOSITS>                             100
<FED-FUNDS-SOLD>                                 3,678
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      3,256
<INVESTMENTS-CARRYING>                           8,283
<INVESTMENTS-MARKET>                             8,207
<LOANS>                                         48,717
<ALLOWANCE>                                        969
<TOTAL-ASSETS>                                  69,021
<DEPOSITS>                                      60,473
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                392
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        13,606
<OTHER-SE>                                       5,450
<TOTAL-LIABILITIES-AND-EQUITY>                  69,021
<INTEREST-LOAN>                                  2,995
<INTEREST-INVEST>                                  384
<INTEREST-OTHER>                                   304
<INTEREST-TOTAL>                                 3,683
<INTEREST-DEPOSIT>                                 837
<INTEREST-EXPENSE>                                 837
<INTEREST-INCOME-NET>                            2,846
<LOAN-LOSSES>                                      165
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  3,354
<INCOME-PRETAX>                                  (420)
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                  (422)
<CHANGES>                                            0
<NET-INCOME>                                     (422)
<EPS-PRIMARY>                                   (0.21)
<EPS-DILUTED>                                   (0.21)
<YIELD-ACTUAL>                                     6.1
<LOANS-NON>                                      2,470
<LOANS-PAST>                                     1,459
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,088
<CHARGE-OFFS>                                      552
<RECOVERIES>                                       268
<ALLOWANCE-CLOSE>                                  969
<ALLOWANCE-DOMESTIC>                               969
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            969