<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-START> JAN-01-1997 <PERIOD-END> SEP-30-1997 <CASH> 10,626 <INT-BEARING-DEPOSITS> 100 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 456 <INVESTMENTS-CARRYING> 4,995 <INVESTMENTS-MARKET> 5,026 <LOANS> 130,235 <ALLOWANCE> 1,360 <TOTAL-ASSETS> 157,168 <DEPOSITS> 138,418 <SHORT-TERM> 1,900 <LIABILITIES-OTHER> 2,624 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 10,372 <OTHER-SE> 3,854 <TOTAL-LIABILITIES-AND-EQUITY> 157,168 <INTEREST-LOAN> 9,291 <INTEREST-INVEST> 293 <INTEREST-OTHER> 236 <INTEREST-TOTAL> 9,820 <INTEREST-DEPOSIT> 6,937 <INTEREST-EXPENSE> 6,949 <INTEREST-INCOME-NET> 6,949 <LOAN-LOSSES> 383 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 13,579 <INCOME-PRETAX> 2,495 <INCOME-PRE-EXTRAORDINARY> 1,429 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,429 <EPS-PRIMARY> 0.32 <EPS-DILUTED> 0 <YIELD-ACTUAL> 7.81 <LOANS-NON> 464 <LOANS-PAST> 368 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,210 <CHARGE-OFFS> 290 <RECOVERIES> 57 <ALLOWANCE-CLOSE> 1,360 <ALLOWANCE-DOMESTIC> 1,360 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0