<TABLE> <S> <C>


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<MULTIPLIER>                                   1,000
       
<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                              DEC-30-1998
<PERIOD-START>                                 JAN-01-1998
<PERIOD-END>                                   SEP-30-1998
<CASH>                                                 319
<INT-BEARING-DEPOSITS>                                  46
<FED-FUNDS-SOLD>                                     8,991
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                          4,000
<INVESTMENTS-CARRYING>                                   0
<INVESTMENTS-MARKET>                                     0
<LOANS>                                             17,822
<ALLOWANCE>                                             30
<TOTAL-ASSETS>                                      31,733
<DEPOSITS>                                          19,048
<SHORT-TERM>                                             0
<LIABILITIES-OTHER>                                    259
<LONG-TERM>                                              0
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                               926
<OTHER-SE>                                          11,500
<TOTAL-LIABILITIES-AND-EQUITY>                      31,733
<INTEREST-LOAN>                                      1,109
<INTEREST-INVEST>                                      154
<INTEREST-OTHER>                                       318
<INTEREST-TOTAL>                                     1,581
<INTEREST-DEPOSIT>                                     771
<INTEREST-EXPENSE>                                     771
<INTEREST-INCOME-NET>                                  810
<LOAN-LOSSES>                                            0
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                        461
<INCOME-PRETAX>                                        354
<INCOME-PRE-EXTRAORDINARY>                               0
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                           226
<EPS-PRIMARY>                                          .18
<EPS-DILUTED>                                          .18
<YIELD-ACTUAL>                                        3.62
<LOANS-NON>                                              0
<LOANS-PAST>                                             0
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                        30
<CHARGE-OFFS>                                            0
<RECOVERIES>                                             0
<ALLOWANCE-CLOSE>                                       30
<ALLOWANCE-DOMESTIC>                                    30
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                  0
        


</TABLE>