<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> 1,488 <INT-BEARING-DEPOSITS> 37,843 <FED-FUNDS-SOLD> 8,005 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 4,004 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 32,235 <ALLOWANCE> (290) <TOTAL-ASSETS> 47,947 <DEPOSITS> 43,538 <SHORT-TERM> 0 <LIABILITIES-OTHER> 288 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 1,600 <OTHER-SE> 2,521 <TOTAL-LIABILITIES-AND-EQUITY> 47,947 <INTEREST-LOAN> 2,432 <INTEREST-INVEST> 412 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 2,844 <INTEREST-DEPOSIT> 1,198 <INTEREST-EXPENSE> 1,198 <INTEREST-INCOME-NET> 1,646 <LOAN-LOSSES> 126 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 1,175 <INCOME-PRETAX> 565 <INCOME-PRE-EXTRAORDINARY> 565 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 339 <EPS-PRIMARY> 1.06 <EPS-DILUTED> 0 <YIELD-ACTUAL> 9.07 <LOANS-NON> 0 <LOANS-PAST> 32 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 254 <CHARGE-OFFS> 95 <RECOVERIES> 6 <ALLOWANCE-CLOSE> 290 <ALLOWANCE-DOMESTIC> 290 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0