<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               SEP-30-1997
<CASH>                                        575,432
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<INTEREST-EXPENSE>                            948,987
<INTEREST-INCOME-NET>                         563,681
<LOAN-LOSSES>                                   5,370
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