<ARTICLE> 9
       
 
<PERIOD-TYPE>                                                          9-MOS
<FISCAL-YEAR-END>                                                      DEC-31-1997
<PERIOD-START>                                                         JAN-01-1997
<PERIOD-END>                                                           SEP-30-1997
<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
<PREFERRED-MANDATORY>                                                  0
<PREFERRED>                                                            0
<COMMON>                                                               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
        

<FN>
As of September 30, 1997, neither the Company nor the Bank had commenced their
respective operations as a savings and loan holding company or as a federal
stock savings bank. Accordingly, the information required by Article 9 of
Regulation S-X is not applicable.
</FN>