<TABLE> <S> <C>


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<S>                                                 <C>
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<PERIOD-START>                                 OCT-01-1997
<PERIOD-END>                                   DEC-31-1997
<CASH>                                                 553
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<INVESTMENTS-MARKET>                                21,904
<LOANS>                                             28,883
<ALLOWANCE>                                             52
<TOTAL-ASSETS>                                      56,833
<DEPOSITS>                                          35,600
<SHORT-TERM>                                             0
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<COMMON>                                                 0
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<LOAN-LOSSES>                                            0
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<EPS-PRIMARY>                                          .12
<EPS-DILUTED>                                          .12
<YIELD-ACTUAL>                                        4.05
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<ALLOWANCE-CLOSE>                                       52
<ALLOWANCE-DOMESTIC>                                     2
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                 50
        


</TABLE>