<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> 15,231 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 5,940 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 78,575 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 208,465 <ALLOWANCE> 2,296 <TOTAL-ASSETS> 343,024 <DEPOSITS> 278,896 <SHORT-TERM> 17,530 <LIABILITIES-OTHER> 1,644 <LONG-TERM> 5,105 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 33,764 <OTHER-SE> 6,085 <TOTAL-LIABILITIES-AND-EQUITY> 343,024 <INTEREST-LOAN> 15,085 <INTEREST-INVEST> 3,094 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 18,179 <INTEREST-DEPOSIT> 6,502 <INTEREST-EXPENSE> 6,980 <INTEREST-INCOME-NET> 11,199 <LOAN-LOSSES> 3,681 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 9,758 <INCOME-PRETAX> 452 <INCOME-PRE-EXTRAORDINARY> 452 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 346 <EPS-PRIMARY> 0.13 <EPS-DILUTED> 0.13 <YIELD-ACTUAL> 9.48 <LOANS-NON> 2,003 <LOANS-PAST> 178 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,792 <CHARGE-OFFS> 4,364 <RECOVERIES> 187 <ALLOWANCE-CLOSE> 2,296 <ALLOWANCE-DOMESTIC> 2,296 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0