WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE. <ARTICLE> 9 <LEGEND> THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FORM THE 9-30-97 FINANCIAL STATS AND IS QUALIFIED IN ITS ENTIRELTY BY REFERENCE TO SUCH FINANCIAL STATEMENTS. </LEGEND> <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS 9-MOS <FISCAL-YEAR-END> DEC-31-1997 DEC-31-1997 <PERIOD-START> JUL-O1-1997 JAN-01-1997 <PERIOD-END> SEP-30-1997 SEP-30-1997 <CASH> 7,878 7,878 <INT-BEARING-DEPOSITS> 0 0 <FED-FUNDS-SOLD> 4,800 4,800 <TRADING-ASSETS> 0 0 <INVESTMENTS-HELD-FOR-SALE> 54,991 54,991 <INVESTMENTS-CARRYING> 1,717 1,717 <INVESTMENTS-MARKET> 1,794 1,794 <LOANS> 63,158 63,158 <ALLOWANCE> 1,334 1,334 <TOTAL-ASSETS> 143,121 143,121 <DEPOSITS> 129,214 129,214 <SHORT-TERM> 0 0 <LIABILITIES-OTHER> 1,244 1,244 <LONG-TERM> 0 0 <PREFERRED-MANDATORY> 0 0 <PREFERRED> 0 0 <COMMON> 7,455 7,455 <OTHER-SE> 5,208 5,208 <TOTAL-LIABILITIES-AND-EQUITY> 143,121 143,121 <INTEREST-LOAN> 1,591 4,919 <INTEREST-INVEST> 964 2,609 <INTEREST-OTHER> 78 280 <INTEREST-TOTAL> 2,633 7,808 <INTEREST-DEPOSIT> 984 2,769 <INTEREST-EXPENSE> 984 2,769 <INTEREST-INCOME-NET> 1,649 5,039 <LOAN-LOSSES> 0 (60) <SECURITIES-GAINS> 0 0 <EXPENSE-OTHER> 1,720 5,066 <INCOME-PRETAX> 318 1,139 <INCOME-PRE-EXTRAORDINARY> 0 0 <EXTRAORDINARY> 0 0 <CHANGES> 0 0 <NET-INCOME> 216 762 <EPS-PRIMARY> .15 .55 <EPS-DILUTED> .15 .55 <YIELD-ACTUAL> 5.35 5.75 <LOANS-NON> 371 371 <LOANS-PAST> 29 29 <LOANS-TROUBLED> 0 0 <LOANS-PROBLEM> 0 0 <ALLOWANCE-OPEN> 1,493 1,207 <CHARGE-OFFS> 214 222 <RECOVERIES> 55 409 <ALLOWANCE-CLOSE> 1,334 1,334 <ALLOWANCE-DOMESTIC> 1,334 1,334 <ALLOWANCE-FOREIGN> 0 0 <ALLOWANCE-UNALLOCATED> 858 858