<TABLE> <S> <C>

<ARTICLE>                    9
<MULTIPLIER> 1,000
       


<S>                                                                                              <C>


<PERIOD-TYPE>                                                                                           9-MOS
<FISCAL-YEAR-END>                                                                                 DEC-31-1996
<PERIOD-START>                                                                                    JAN-15-1997
<PERIOD-END>                                                                                      SEP-30-1997
<CASH>                                                                                                 18,847
<INT-BEARING-DEPOSITS>                                                                                      0
<FED-FUNDS-SOLD>                                                                                            0
<TRADING-ASSETS>                                                                                        9,999
<INVESTMENTS-HELD-FOR-SALE>                                                                            12,390
<INVESTMENTS-CARRYING>                                                                                      0
<INVESTMENTS-MARKET>                                                                                   22,388
<LOANS>                                                                                                77,221
<ALLOWANCE>                                                                                               (55)
<TOTAL-ASSETS>                                                                                        129,608
<DEPOSITS>                                                                                                  0
<SHORT-TERM>                                                                                           24,857
<LIABILITIES-OTHER>                                                                                       120
<LONG-TERM>                                                                                                 0
<PREFERRED-MANDATORY>                                                                                       0
<PREFERRED>                                                                                                 0
<COMMON>                                                                                                   80
<OTHER-SE>                                                                                            104,551
<TOTAL-LIABILITIES-AND-EQUITY>                                                                        129,608
<INTEREST-LOAN>                                                                                         3,810
<INTEREST-INVEST>                                                                                           0
<INTEREST-OTHER>                                                                                            0
<INTEREST-TOTAL>                                                                                            0
<INTEREST-DEPOSIT>                                                                                          0
<INTEREST-EXPENSE>                                                                                      1,547
<INTEREST-INCOME-NET>                                                                                   2,263
<LOAN-LOSSES>                                                                                              55
<SECURITIES-GAINS>                                                                                          0
<EXPENSE-OTHER>                                                                                         3,218
<INCOME-PRETAX>                                                                                          (270)
<INCOME-PRE-EXTRAORDINARY>                                                                               (270)
<EXTRAORDINARY>                                                                                             0
<CHANGES>                                                                                                   0
<NET-INCOME>                                                                                             (270)
<EPS-PRIMARY>                                                                                           (0.09)
<EPS-DILUTED>                                                                                           (0.09)
<YIELD-ACTUAL>                                                                                              0
<LOANS-NON>                                                                                                 0
<LOANS-PAST>                                                                                                0
<LOANS-TROUBLED>                                                                                            0
<LOANS-PROBLEM>                                                                                             0
<ALLOWANCE-OPEN>                                                                                            0
<CHARGE-OFFS>                                                                                               0
<RECOVERIES>                                                                                                0
<ALLOWANCE-CLOSE>                                                                                          55
<ALLOWANCE-DOMESTIC>                                                                                       55
<ALLOWANCE-UNALLOCATED>                                                                                     0
<ALLOWANCE-FOREIGN>                                                                                         0

        

</TABLE>