<TABLE> <S> <C>


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<S>                                               <C>
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<PERIOD-START>                                 OCT-01-1997
<PERIOD-END>                                   DEC-31-1997
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<INVESTMENTS-MARKET>                                 3,518
<LOANS>                                             28,931
<ALLOWANCE>                                            181
<TOTAL-ASSETS>                                      37,916
<DEPOSITS>                                          30,673
<SHORT-TERM>                                             0
<LIABILITIES-OTHER>                                    325
<LONG-TERM>                                          1,700
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<PREFERRED>                                              0
<COMMON>                                                 0
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<LOAN-LOSSES>                                            2
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<EXPENSE-OTHER>                                        212
<INCOME-PRETAX>                                        183
<INCOME-PRE-EXTRAORDINARY>                             121
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<CHANGES>                                                0
<NET-INCOME>                                           121
<EPS-PRIMARY>                                          .26
<EPS-DILUTED>                                          .25
<YIELD-ACTUAL>                                        4.04
<LOANS-NON>                                             76
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<CHARGE-OFFS>                                            9
<RECOVERIES>                                             0
<ALLOWANCE-CLOSE>                                      181
<ALLOWANCE-DOMESTIC>                                     0
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                181
        



</TABLE>