<TABLE> <S> <C>



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

<MULTIPLIER>                                      1000

<S>                                           <C>
<PERIOD-TYPE>                                 YEAR
<FISCAL-YEAR-END>                             DEC-31-1997
<PERIOD-END>                                  DEC-31-1997
<CASH>                                              4,358
<INT-BEARING-DEPOSITS>                              4,384
<FED-FUNDS-SOLD>                                        0
<TRADING-ASSETS>                                        0
<INVESTMENTS-HELD-FOR-SALE>                         9,722
<INVESTMENTS-CARRYING>                                  0
<INVESTMENTS-MARKET>                                    0
<LOANS>                                            98,211
<ALLOWANCE>                                           670
<TOTAL-ASSETS>                                    124,956
<DEPOSITS>                                         91,201
<SHORT-TERM>                                       20,903
<LIABILITIES-OTHER>                                 1,332
<LONG-TERM>                                             0
<PREFERRED-MANDATORY>                                   0
<PREFERRED>                                             0
<COMMON>                                               91
<OTHER-SE>                                         11,429
<TOTAL-LIABILITIES-AND-EQUITY>                    124,956
<INTEREST-LOAN>                                     6,937
<INTEREST-INVEST>                                     518
<INTEREST-OTHER>                                      150
<INTEREST-TOTAL>                                    7,605
<INTEREST-DEPOSIT>                                  3,424
<INTEREST-EXPENSE>                                  3,921
<INTEREST-INCOME-NET>                               3,684
<LOAN-LOSSES>                                         127
<SECURITIES-GAINS>                                    495
<EXPENSE-OTHER>                                     4,746
<INCOME-PRETAX>                                       206
<INCOME-PRE-EXTRAORDINARY>                              0
<EXTRAORDINARY>                                         0
<CHANGES>                                               0
<NET-INCOME>                                          137
<EPS-PRIMARY>                                         .17
<EPS-DILUTED>                                         .16
<YIELD-ACTUAL>                                       3.22
<LOANS-NON>                                           366
<LOANS-PAST>                                            0
<LOANS-TROUBLED>                                        0
<LOANS-PROBLEM>                                       762
<ALLOWANCE-OPEN>                                      547
<CHARGE-OFFS>                                           4
<RECOVERIES>                                            0
<ALLOWANCE-CLOSE>                                     670
<ALLOWANCE-DOMESTIC>                                    0
<ALLOWANCE-FOREIGN>                                     0
<ALLOWANCE-UNALLOCATED>                                 0



</TABLE>