<TABLE> <S> <C>

<ARTICLE> 9
       
<S>                                 <C>
<PERIOD-TYPE>                                          12-MOS
<FISCAL-YEAR-END>                                 DEC-31-1997
<PERIOD-START>                                    JAN-01-1997
<PERIOD-END>                                      DEC-31-1997
<CASH>                                                155,000
<INT-BEARING-DEPOSITS>                                 31,000
<FED-FUNDS-SOLD>                                    3,151,000
<TRADING-ASSETS>                                            0
<INVESTMENTS-HELD-FOR-SALE>                           569,000
<INVESTMENTS-CARRYING>                                569,000
<INVESTMENTS-MARKET>                                  569,000
<LOANS>                                             6,251,000
<ALLOWANCE>                                          (52,000)
<TOTAL-ASSETS>                                     11,420,000
<DEPOSITS>                                          8,396,000
<SHORT-TERM>                                                0
<LIABILITIES-OTHER>                                   213,000
<LONG-TERM>                                                 0
<PREFERRED-MANDATORY>                                       0
<PREFERRED>                                                 0
<COMMON>                                                3,000
<OTHER-SE>                                          2,808,000
<TOTAL-LIABILITIES-AND-EQUITY>                     11,420,000
<INTEREST-LOAN>                                        47,000
<INTEREST-INVEST>                                      63,000
<INTEREST-OTHER>                                            0
<INTEREST-TOTAL>                                      110,000
<INTEREST-DEPOSIT>                                     32,000
<INTEREST-EXPENSE>                                          0
<INTEREST-INCOME-NET>                                  78,000
<LOAN-LOSSES>                                           2,000
<SECURITIES-GAINS>                                          0
<EXPENSE-OTHER>                                       117,000
<INCOME-PRETAX>                                      (41,000)
<INCOME-PRE-EXTRAORDINARY>                                  0
<EXTRAORDINARY>                                             0
<CHANGES>                                                   0
<NET-INCOME>                                         (41,000)
<EPS-PRIMARY>                                            0.77
<EPS-DILUTED>                                            0.77
<YIELD-ACTUAL>                                           3.71
<LOANS-NON>                                            41,000
<LOANS-PAST>                                           51,000
<LOANS-TROUBLED>                                            0
<LOANS-PROBLEM>                                             0
<ALLOWANCE-OPEN>                                       50,000
<CHARGE-OFFS>                                               0
<RECOVERIES>                                                0
<ALLOWANCE-CLOSE>                                      52,000
<ALLOWANCE-DOMESTIC>                                   52,000
<ALLOWANCE-FOREIGN>                                         0
<ALLOWANCE-UNALLOCATED>                                     0
        

</TABLE>