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<PERIOD-END>                                   DEC-31-1997
<CASH>                                              10,928
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<DEPOSITS>                                         374,488
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<INTEREST-EXPENSE>                                  12,385
<INTEREST-INCOME-NET>                               17,714
<LOAN-LOSSES>                                         (316)
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                     16,884
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<RECOVERIES>                                           106
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<ALLOWANCE-DOMESTIC>                                 2,600
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