<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               SEP-30-1997
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<FED-FUNDS-SOLD>                             4,400,000
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<INVESTMENTS-HELD-FOR-SALE>                          0
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<INVESTMENTS-MARKET>                        53,983,896
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<ALLOWANCE>                                          0
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<INTEREST-EXPENSE>                                   0
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