<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   9-MOS
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<PERIOD-END>                               SEP-30-1997
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<INTEREST-INVEST>                                1,750
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<INTEREST-INCOME-NET>                            7,178
<LOAN-LOSSES>                                    1,295
<SECURITIES-GAINS>                                (34)
<EXPENSE-OTHER>                                 10,771
<INCOME-PRETAX>                                (2,764)
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<CHANGES>                                            0
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<ALLOWANCE-CLOSE>                                2,211
<ALLOWANCE-DOMESTIC>                                 0
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