<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               SEP-30-1997
<CASH>                                      4,420,714
<INT-BEARING-DEPOSITS>                     17,552,018
<FED-FUNDS-SOLD>                                    0
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<INVESTMENTS-CARRYING>                              0
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<ALLOWANCE>                                 4,640,343
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<SHORT-TERM>                               64,000,378
<LIABILITIES-OTHER>                        14,463,167
<LONG-TERM>                               159,460,296
<COMMON>                                   48,460,996
<PREFERRED-MANDATORY>                               0
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<OTHER-SE>                                 17,810,412
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<INTEREST-LOAN>                            14,699,198
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<INTEREST-TOTAL>                           15,878,974
<INTEREST-DEPOSIT>                          6,180,450
<INTEREST-EXPENSE>                          9,413,132
<INTEREST-INCOME-NET>                       6,465,842
<LOAN-LOSSES>                                  90,000
<SECURITIES-GAINS>                                  0
<EXPENSE-OTHER>                             3,865,265
<INCOME-PRETAX>                             4,138,181
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<CHANGES>                                           0
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<EPS-PRIMARY>                                    0.53
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<CHARGE-OFFS>                                  16,973
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<ALLOWANCE-FOREIGN>                                 0
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