<TABLE> <S> <C>


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<MULTIPLIER>                                      1000
       
<S>                             <C>
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<FISCAL-YEAR-END>                              DEC-31-1998
<PERIOD-END>                                   DEC-31-1998
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<INT-BEARING-DEPOSITS>                              16,366 
<FED-FUNDS-SOLD>                                    24,277 
<TRADING-ASSETS>                                         0 
<INVESTMENTS-HELD-FOR-SALE>                         13,697 
<INVESTMENTS-CARRYING>                                   0 
<INVESTMENTS-MARKET>                                     0 
<LOANS>                                             16,115 
<ALLOWANCE>                                            212 
<TOTAL-ASSETS>                                      57,295 
<DEPOSITS>                                          21,867 
<SHORT-TERM>                                             0 
<LIABILITIES-OTHER>                                    700 
<LONG-TERM>                                              0 
<PREFERRED-MANDATORY>                                    0 
<PREFERRED>                                              0 
<COMMON>                                             4,240 
<OTHER-SE>                                          30,488 
<TOTAL-LIABILITIES-AND-EQUITY>                      57,295 
<INTEREST-LOAN>                                        179 
<INTEREST-INVEST>                                      316 
<INTEREST-OTHER>                                     1,062 
<INTEREST-TOTAL>                                     1,557 
<INTEREST-DEPOSIT>                                     339 
<INTEREST-EXPENSE>                                       2 
<INTEREST-INCOME-NET>                                1,216 
<LOAN-LOSSES>                                          212 
<SECURITIES-GAINS>                                       9 
<EXPENSE-OTHER>                                      2,734 
<INCOME-PRETAX>                                     (1,696) 
<INCOME-PRE-EXTRAORDINARY>                          (1,696) 
<EXTRAORDINARY>                                          0  
<CHANGES>                                                0  
<NET-INCOME>                                        (1,696) 
<EPS-PRIMARY>                                        (0.64) 
<EPS-DILUTED>                                        (0.64) 
<YIELD-ACTUAL>                                        5.78  
<LOANS-NON>                                              0  
<LOANS-PAST>                                             0  
<LOANS-TROUBLED>                                         0  
<LOANS-PROBLEM>                                          0  
<ALLOWANCE-OPEN>                                         0  
<CHARGE-OFFS>                                            0  
<RECOVERIES>                                             0  
<ALLOWANCE-CLOSE>                                      212  
<ALLOWANCE-DOMESTIC>                                   212  
<ALLOWANCE-FOREIGN>                                      0  
<ALLOWANCE-UNALLOCATED>                                  0  
                                                 


</TABLE>