<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
Registrant's Form 10-Q for the quarter ended September 30, 1997 and is qualified
in its entirety by reference to such financial statements.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               SEP-30-1997
<CASH>                                           2,048
<INT-BEARING-DEPOSITS>                           7,001
<FED-FUNDS-SOLD>                                 2,352
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                         17
<INVESTMENTS-CARRYING>                           7,204
<INVESTMENTS-MARKET>                             7,117
<LOANS>                                        162,256
<ALLOWANCE>                                      2,090
<TOTAL-ASSETS>                                 191,887
<DEPOSITS>                                     150,964
<SHORT-TERM>                                    18,712
<LIABILITIES-OTHER>                              2,119
<LONG-TERM>                                      5,061
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                     15,000
<COMMON>                                            11
<OTHER-SE>                                          17
<TOTAL-LIABILITIES-AND-EQUITY>                 191,887
<INTEREST-LOAN>                                 10,028
<INTEREST-INVEST>                                  502
<INTEREST-OTHER>                                   236
<INTEREST-TOTAL>                                10,766
<INTEREST-DEPOSIT>                               5,644
<INTEREST-EXPENSE>                               6,834
<INTEREST-INCOME-NET>                            3,932
<LOAN-LOSSES>                                      114
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  5,832
<INCOME-PRETAX>                                   (83)
<INCOME-PRE-EXTRAORDINARY>                        (83)
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                      (83)
<EPS-PRIMARY>                                   (1.23)
<EPS-DILUTED>                                   (1.23)
<YIELD-ACTUAL>                                    3.02
<LOANS-NON>                                      1,491
<LOANS-PAST>                                       365
<LOANS-TROUBLED>                                   258
<LOANS-PROBLEM>                                  1,695
<ALLOWANCE-OPEN>                                 2,556
<CHARGE-OFFS>                                      607
<RECOVERIES>                                        27
<ALLOWANCE-CLOSE>                                2,090
<ALLOWANCE-DOMESTIC>                             1,953
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            137