<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from SEC
Form 10-QSB and is qualified in its entirety by reference to such
financial statements.
</LEGEND>
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               SEP-30-1997
<CASH>                                           4,934
<INT-BEARING-DEPOSITS>                          11,101
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      1,001
<INVESTMENTS-CARRYING>                           3,299
<INVESTMENTS-MARKET>                             3,303
<LOANS>                                        110,194
<ALLOWANCE>                                        468
<TOTAL-ASSETS>                                 139,568
<DEPOSITS>                                     109,578
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              1,483
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            21
<OTHER-SE>                                      28,486
<TOTAL-LIABILITIES-AND-EQUITY>                 139,568
<INTEREST-LOAN>                                  6,416
<INTEREST-INVEST>                                  314
<INTEREST-OTHER>                                   777
<INTEREST-TOTAL>                                 7,507
<INTEREST-DEPOSIT>                               3,329
<INTEREST-EXPENSE>                               3,353
<INTEREST-INCOME-NET>                            4,154
<LOAN-LOSSES>                                      117
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  3,509
<INCOME-PRETAX>                                  1,045
<INCOME-PRE-EXTRAORDINARY>                       1,045
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       612
<EPS-PRIMARY>                                     0.38
<EPS-DILUTED>                                     0.34
<YIELD-ACTUAL>                                    4.39
<LOANS-NON>                                         20
<LOANS-PAST>                                       349
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  1,485
<ALLOWANCE-OPEN>                                   374
<CHARGE-OFFS>                                       26
<RECOVERIES>                                         3
<ALLOWANCE-CLOSE>                                  468
<ALLOWANCE-DOMESTIC>                               468
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0