<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS 9-MOS <FISCAL-YEAR-END> DEC-31-1997 DEC-31-1997 <PERIOD-START> JUL-01-1997 JAN-01-1997 <PERIOD-END> SEP-30-1997 SEP-30-1997 <CASH> 0 8,005 <INT-BEARING-DEPOSITS> 0 3,267 <FED-FUNDS-SOLD> 0 17,595 <TRADING-ASSETS> 0 0 <INVESTMENTS-HELD-FOR-SALE> 0 0 <INVESTMENTS-CARRYING> 0 1,824 <INVESTMENTS-MARKET> 0 1,815 <LOANS> 0 85,004 <ALLOWANCE> 0 1,530 <TOTAL-ASSETS> 0 119,939 <DEPOSITS> 0 110,853 <SHORT-TERM> 0 0 <LIABILITIES-OTHER> 0 710 <LONG-TERM> 0 0 <PREFERRED-MANDATORY> 0 0 <PREFERRED> 0 0 <COMMON> 0 7,086 <OTHER-SE> 0 1,290 <TOTAL-LIABILITIES-AND-EQUITY> 0 119,939 <INTEREST-LOAN> 2,223 6,253 <INTEREST-INVEST> 34 96 <INTEREST-OTHER> 311 866 <INTEREST-TOTAL> 2,568 7,215 <INTEREST-DEPOSIT> 773 2,287 <INTEREST-EXPENSE> 773 2,287 <INTEREST-INCOME-NET> 1,795 4,928 <LOAN-LOSSES> 102 306 <SECURITIES-GAINS> 0 0 <EXPENSE-OTHER> 1,500 4,474 <INCOME-PRETAX> 455 876 <INCOME-PRE-EXTRAORDINARY> 455 876 <EXTRAORDINARY> 0 0 <CHANGES> 0 0 <NET-INCOME> 271 520 <EPS-PRIMARY> 0.29 0.56 <EPS-DILUTED> 0 0 <YIELD-ACTUAL> 6.71 6.22 <LOANS-NON> 0 3,149 <LOANS-PAST> 0 319 <LOANS-TROUBLED> 0 0 <LOANS-PROBLEM> 0 0 <ALLOWANCE-OPEN> 1,493 1,405 <CHARGE-OFFS> 72 192 <RECOVERIES> 8 12 <ALLOWANCE-CLOSE> 1,530 1,530 <ALLOWANCE-DOMESTIC> 1,530 1,530 <ALLOWANCE-FOREIGN> 0 0 <ALLOWANCE-UNALLOCATED> 0 0