<TABLE> <S> <C>


<ARTICLE>                                            9
<MULTIPLIER>                                      1000
       
<S>                                            <C>
<PERIOD-TYPE>                                  9-MOS
<FISCAL-YEAR-END>                              DEC-31-1997
<PERIOD-END>                                   SEP-30-1997
<CASH>                                               3,766
<INT-BEARING-DEPOSITS>                                 599
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                          9,905
<INVESTMENTS-CARRYING>                                   0
<INVESTMENTS-MARKET>                                     0
<LOANS>                                             89,831
<ALLOWANCE>                                            625
<TOTAL-ASSETS>                                     109,344
<DEPOSITS>                                          86,411
<SHORT-TERM>                                        10,715
<LIABILITIES-OTHER>                                    567
<LONG-TERM>                                              0
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                                82
<OTHER-SE>                                          11,569
<TOTAL-LIABILITIES-AND-EQUITY>                     109,344
<INTEREST-LOAN>                                      4,897
<INTEREST-INVEST>                                      380
<INTEREST-OTHER>                                       112
<INTEREST-TOTAL>                                     5,389
<INTEREST-DEPOSIT>                                   2,437
<INTEREST-EXPENSE>                                   2,708
<INTEREST-INCOME-NET>                                2,681
<LOAN-LOSSES>                                           82
<SECURITIES-GAINS>                                     356
<EXPENSE-OTHER>                                      3,520
<INCOME-PRETAX>                                         63
<INCOME-PRE-EXTRAORDINARY>                               0
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                            41
<EPS-PRIMARY>                                          .05
<EPS-DILUTED>                                          .05
<YIELD-ACTUAL>                                        7.32
<LOANS-NON>                                            217
<LOANS-PAST>                                             0
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                        570
<ALLOWANCE-OPEN>                                       547
<CHARGE-OFFS>                                            4
<RECOVERIES>                                             0
<ALLOWANCE-CLOSE>                                      625
<ALLOWANCE-DOMESTIC>                                     0
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                  0
        


</TABLE>