<ARTICLE>                                            9
       
                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                              DEC-31-1997
<PERIOD-END>                                   DEC-31-1997
<CASH>                                         268,248
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<TRADING-ASSETS>                               0
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<INTEREST-EXPENSE>                             247,184
<INTEREST-INCOME-NET>                          267,905
<LOAN-LOSSES>                                  13,418
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