<TABLE> <S> <C>


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<S>                                                 <C>
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<PERIOD-END>                                   DEC-31-1997
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<INVESTMENTS-MARKET>                                 8,412
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<ALLOWANCE>                                            270
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<SHORT-TERM>                                             0
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<CHANGES>                                                0
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<EPS-PRIMARY>                                          .29
<EPS-DILUTED>                                          .28
<YIELD-ACTUAL>                                        3.41
<LOANS-NON>                                             42
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<CHARGE-OFFS>                                            0
<RECOVERIES>                                             0
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<ALLOWANCE-DOMESTIC>                                     0
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                270
        


</TABLE>