<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