<ARTICLE> 9 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-START> JAN-01-1997 <PERIOD-END> DEC-31-1997 <CASH> 116,900 <INT-BEARING-DEPOSITS> 3,513,650 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 0 <INVESTMENTS-CARRYING> 1,955,008 <INVESTMENTS-MARKET> 2,010,934 <LOANS> 29,961,032 <ALLOWANCE> 215,500 <TOTAL-ASSETS> 36,084,416 <DEPOSITS> 32,621,766 <SHORT-TERM> 0 <LIABILITIES-OTHER> 568,893 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 0 <OTHER-SE> 2,893,757 <TOTAL-LIABILITIES-AND-EQUITY> 36,084,416 <INTEREST-LOAN> 2,209,375 <INTEREST-INVEST> 181,123 <INTEREST-OTHER> 235,958 <INTEREST-TOTAL> 2,626,456 <INTEREST-DEPOSIT> 1,473,588 <INTEREST-EXPENSE> 1,493,561 <INTEREST-INCOME-NET> 1,132,895 <LOAN-LOSSES> 123,270 <SECURITIES-GAINS> (32,321) <EXPENSE-OTHER> 771,503 <INCOME-PRETAX> 235,704 <INCOME-PRE-EXTRAORDINARY> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 144,531 <EPS-PRIMARY> 0 <EPS-DILUTED> 0 <YIELD-ACTUAL> 3.37 <LOANS-NON> 135,000 <LOANS-PAST> 279,254 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 100,000 <CHARGE-OFFS> 7,770 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 215,500 <ALLOWANCE-DOMESTIC> 215,500 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0