<ARTICLE>                       9
       
                              
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>               DEC-31-1997
<PERIOD-END>                    MAR-31-1997
<CASH>                          0
<INT-BEARING-DEPOSITS>          0
<FED-FUNDS-SOLD>                0
<TRADING-ASSETS>                0
<INVESTMENTS-HELD-FOR-SALE>     0
<INVESTMENTS-CARRYING>          0
<INVESTMENTS-MARKET>            0
<LOANS>                         0
<ALLOWANCE>                     0
<TOTAL-ASSETS>                  0
<DEPOSITS>                      0
<SHORT-TERM>                    0
<LIABILITIES-OTHER>             0
<LONG-TERM>                     0
<COMMON>                        0
<PREFERRED-MANDATORY>           0
<PREFERRED>                     0
<OTHER-SE>                      0
<TOTAL-LIABILITIES-AND-EQUITY>  0
<INTEREST-LOAN>                 0
<INTEREST-INVEST>               0
<INTEREST-OTHER>                0
<INTEREST-TOTAL>                0
<INTEREST-DEPOSIT>              0
<INTEREST-EXPENSE>              0
<INTEREST-INCOME-NET>           0
<LOAN-LOSSES>                   0
<SECURITIES-GAINS>              0
<EXPENSE-OTHER>                 0
<INCOME-PRETAX>                 0
<INCOME-PRE-EXTRAORDINARY>      0
<EXTRAORDINARY>                 0
<CHANGES>                       0
<NET-INCOME>                    0
<EPS-PRIMARY>                   0
<EPS-DILUTED>                   0
<YIELD-ACTUAL>                  0
<LOANS-NON>                     0
<LOANS-PAST>                    0
<LOANS-TROUBLED>                0
<LOANS-PROBLEM>                 0
<ALLOWANCE-OPEN>                0
<CHARGE-OFFS>                   0
<RECOVERIES>                    0
<ALLOWANCE-CLOSE>               0
<ALLOWANCE-DOMESTIC>            0
<ALLOWANCE-FOREIGN>             0
<ALLOWANCE-UNALLOCATED>         0