<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               SEP-30-1997
<CASH>                                       1,833,568
<INT-BEARING-DEPOSITS>                      13,143,442
<FED-FUNDS-SOLD>                             2,600,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  9,276,308
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<LOANS>                                      8,178,983
<ALLOWANCE>                                    136,502
<TOTAL-ASSETS>                              23,812,682
<DEPOSITS>                                  16,984,260
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                            116,354
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
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<COMMON>                                       735,868
<OTHER-SE>                                   5,976,200
<TOTAL-LIABILITIES-AND-EQUITY>              23,812,682
<INTEREST-LOAN>                                      0
<INTEREST-INVEST>                                    0
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<INTEREST-TOTAL>                               825,065
<INTEREST-DEPOSIT>                             314,774
<INTEREST-EXPENSE>                             315,809
<INTEREST-INCOME-NET>                          509,256
<LOAN-LOSSES>                                  120,000
<SECURITIES-GAINS>                               4,255
<EXPENSE-OTHER>                                660,248
<INCOME-PRETAX>                               (243,620)
<INCOME-PRE-EXTRAORDINARY>                    (243,620)
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                  (243,620)
<EPS-PRIMARY>                                     (.33)
<EPS-DILUTED>                                     (.33)
<YIELD-ACTUAL>                                    4.44
<LOANS-NON>                                          0
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<ALLOWANCE-OPEN>                                16,502
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                              136,502
<ALLOWANCE-DOMESTIC>                           136,502
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