<ARTICLE>                                            9
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                              DEC-31-1997
<PERIOD-START>                                 JAN-01-1997
<PERIOD-END>                                   DEC-31-1997
<CASH>                                         6,454,000
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<INVESTMENTS-CARRYING>                         000
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<INTEREST-DEPOSIT>                             6,736,000
<INTEREST-EXPENSE>                             7,045,000
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<EPS-PRIMARY>                                  2.50
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