<ARTICLE> 9
<MULTIPLIER> 1000
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               SEP-30-1997
<CASH>                                            1092
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                       1817
<INVESTMENTS-CARRYING>                            2603
<INVESTMENTS-MARKET>                              2619
<LOANS>                                          41613
<ALLOWANCE>                                        322
<TOTAL-ASSETS>                                   49130
<DEPOSITS>                                       36444
<SHORT-TERM>                                      2350
<LIABILITIES-OTHER>                                812
<LONG-TERM>                                       3000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             4
<OTHER-SE>                                        6520
<TOTAL-LIABILITIES-AND-EQUITY>                   49130
<INTEREST-LOAN>                                   2595
<INTEREST-INVEST>                                  200
<INTEREST-OTHER>                                     7
<INTEREST-TOTAL>                                  2802
<INTEREST-DEPOSIT>                                1292
<INTEREST-EXPENSE>                                1582
<INTEREST-INCOME-NET>                             1220
<LOAN-LOSSES>                                       45
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                    946
<INCOME-PRETAX>                                    494
<INCOME-PRE-EXTRAORDINARY>                         494
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       311
<EPS-PRIMARY>                                        0
<EPS-DILUTED>                                        0
<YIELD-ACTUAL>                                    8.58
<LOANS-NON>                                         23
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   284
<CHARGE-OFFS>                                       14
<RECOVERIES>                                         7
<ALLOWANCE-CLOSE>                                  322
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            322