<ARTICLE> 9 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-END> SEP-30-1997 <CASH> 13,710 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 2,500 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 37,460 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 119,836 <ALLOWANCE> 2,211 <TOTAL-ASSETS> 188,948 <DEPOSITS> 174,978 <SHORT-TERM> 0 <LIABILITIES-OTHER> 1,525 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 9,276 <OTHER-SE> 2,995 <TOTAL-LIABILITIES-AND-EQUITY> 188,948 <INTEREST-LOAN> 9,034 <INTEREST-INVEST> 1,750 <INTEREST-OTHER> 354 <INTEREST-TOTAL> 11,138 <INTEREST-DEPOSIT> 3,900 <INTEREST-EXPENSE> 3,960 <INTEREST-INCOME-NET> 7,178 <LOAN-LOSSES> 1,295 <SECURITIES-GAINS> (34) <EXPENSE-OTHER> 10,771 <INCOME-PRETAX> (2,764) <INCOME-PRE-EXTRAORDINARY> (2,996) <EXTRAORDINARY> 135 <CHANGES> 0 <NET-INCOME> (1,606) <EPS-PRIMARY> (0.87) <EPS-DILUTED> (0.84) <YIELD-ACTUAL> 6.30 <LOANS-NON> 2,013 <LOANS-PAST> 184 <LOANS-TROUBLED> 31 <LOANS-PROBLEM> 273 <ALLOWANCE-OPEN> 1,615 <CHARGE-OFFS> 820 <RECOVERIES> 121 <ALLOWANCE-CLOSE> 2,211 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 2,211