<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
     THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL  INFORMATION  DERIVED FROM THE
QUARTERLY REPORT ON FORM 10-QSB AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH FINANCIAL INFORMATION.
</LEGEND>



<MULTIPLIER>                                   1000
       
<S>                                            <C>
<PERIOD-TYPE>                                  9-MOS
<FISCAL-YEAR-END>                              DEC-31-1998
<PERIOD-END>                                   SEP-30-1998
<CASH>                                             620
<INT-BEARING-DEPOSITS>                           1,922
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      6,363
<INVESTMENTS-CARRYING>                           1,219
<INVESTMENTS-MARKET>                             1,223
<LOANS>                                         41,331
<ALLOWANCE>                                        318
<TOTAL-ASSETS>                                  52,660
<DEPOSITS>                                      40,288
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                744
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            77
<OTHER-SE>                                      11,551
<TOTAL-LIABILITIES-AND-EQUITY>                  52,660
<INTEREST-LOAN>                                  2,541
<INTEREST-INVEST>                                  320
<INTEREST-OTHER>                                   131
<INTEREST-TOTAL>                                 2,992
<INTEREST-DEPOSIT>                               1,470
<INTEREST-EXPENSE>                               1,470
<INTEREST-INCOME-NET>                            1,522
<LOAN-LOSSES>                                       23
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,004
<INCOME-PRETAX>                                    619
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       390
<EPS-PRIMARY>                                      .55
<EPS-DILUTED>                                      .55
<YIELD-ACTUAL>                                    4.02
<LOANS-NON>                                        411
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   301
<CHARGE-OFFS>                                        6
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  318
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        


</TABLE>