<ARTICLE> 9 <PERIOD-TYPE> 9-MOS 3-MOS <FISCAL-YEAR-END> DEC-31-1997 DEC-31-1997 <PERIOD-START> JAN-01-1997 JUL-01-1997 <PERIOD-END> SEP-30-1997 SEP-30-1997 <CASH> 1,012 1,012 <INT-BEARING-DEPOSITS> 2,378 2,378 <FED-FUNDS-SOLD> 8,295 8,295 <TRADING-ASSETS> 0 0 <INVESTMENTS-HELD-FOR-SALE> 14,045 14,045 <INVESTMENTS-CARRYING> 71,767 71,767 <INVESTMENTS-MARKET> 75,099 75,099 <LOANS> 100,675 100,675 <ALLOWANCE> (232) (232) <TOTAL-ASSETS> 202,009 202,009 <DEPOSITS> 180,749 180,749 <SHORT-TERM> 590 590 <LIABILITIES-OTHER> 1,938 1,938 <LONG-TERM> 0 0 <PREFERRED-MANDATORY> 0 0 <PREFERRED> 0 0 <COMMON> 0 0 <OTHER-SE> 18,732 18,732 <TOTAL-LIABILITIES-AND-EQUITY> 202,009 202,009 <INTEREST-LOAN> 5,616 1,915 <INTEREST-INVEST> 3,910 1,270 <INTEREST-OTHER> 485 183 <INTEREST-TOTAL> 10,011 3,368 <INTEREST-DEPOSIT> 6,633 2,216 <INTEREST-EXPENSE> 9 0 <INTEREST-INCOME-NET> 3,369 1,152 <LOAN-LOSSES> 15 5 <SECURITIES-GAINS> 0 0 <EXPENSE-OTHER> 1,725 562 <INCOME-PRETAX> 2,033 719 <INCOME-PRE-EXTRAORDINARY> 2,033 719 <EXTRAORDINARY> 0 0 <CHANGES> 0 0 <NET-INCOME> 1,347 477 <EPS-PRIMARY> 0 0 <EPS-DILUTED> 0 0 <YIELD-ACTUAL> 2.27 2.34 <LOANS-NON> 0 0 <LOANS-PAST> 247 247 <LOANS-TROUBLED> 0 0 <LOANS-PROBLEM> 0 0 <ALLOWANCE-OPEN> 217 227 <CHARGE-OFFS> 0 0 <RECOVERIES> 0 0 <ALLOWANCE-CLOSE> 232 232 <ALLOWANCE-DOMESTIC> 232 232 <ALLOWANCE-FOREIGN> 0 0 <ALLOWANCE-UNALLOCATED> 0 0