<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
FINANCIAL STATEMENTS OF CORNERSTONE COMMUNITY BANK FOR THE YEAR ENDED DECEMBER
31, 1997 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               DEC-31-1997
<CASH>                                       6,173,892
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                             1,130,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                      10,779,662
<INVESTMENTS-MARKET>                         7,544,579
<LOANS>                                     60,589,987
<ALLOWANCE>                                    915,005
<TOTAL-ASSETS>                              92,702,885
<DEPOSITS>                                  81,849,805
<SHORT-TERM>                                   855,000
<LIABILITIES-OTHER>                            926,198
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                       874,954
<OTHER-SE>                                   8,199,928
<TOTAL-LIABILITIES-AND-EQUITY>              92,702,885
<INTEREST-LOAN>                              3,408,638
<INTEREST-INVEST>                              886,300
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                             4,294,938
<INTEREST-DEPOSIT>                           2,129,443
<INTEREST-EXPENSE>                              12,038
<INTEREST-INCOME-NET>                        2,141,481
<LOAN-LOSSES>                                  273,277
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              1,722,141
<INCOME-PRETAX>                                368,434
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   224,100
<EPS-PRIMARY>                                        0
<EPS-DILUTED>                                        0
<YIELD-ACTUAL>                                    4.80
<LOANS-NON>                                          0
<LOANS-PAST>                                   144,000
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               201,422
<CHARGE-OFFS>                                   16,654
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                              915,005
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        915,005