<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   9-MOS
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<PERIOD-END>                               SEP-30-1997
<CASH>                                           5,833
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<ALLOWANCE>                                      2,147
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<SHORT-TERM>                                     2,323
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<LONG-TERM>                                      5,247
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<INTEREST-EXPENSE>                               8,659
<INTEREST-INCOME-NET>                            8,346
<LOAN-LOSSES>                                      158
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  5,914
<INCOME-PRETAX>                                  4,291
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