<TABLE> <S> <C>


<ARTICLE>                                            9
<MULTIPLIER>                                   1
<CURRENCY>                                     US DOLLARS
       
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                            DEC-31-1998
<PERIOD-START>                               MAR-31-1998
<PERIOD-END>                                 JUN-30-1998
<EXCHANGE-RATE>                                        1
<CASH>                                             1,444
<INT-BEARING-DEPOSITS>                             3,417
<FED-FUNDS-SOLD>                                       0
<TRADING-ASSETS>                                     394
<INVESTMENTS-HELD-FOR-SALE>                            0
<INVESTMENTS-CARRYING>                             1,007
<INVESTMENTS-MARKET>                                 997
<LOANS>                                           67,996
<ALLOWANCE>                                          303
<TOTAL-ASSETS>                                    78,557
<DEPOSITS>                                        69,120
<SHORT-TERM>                                         671
<LIABILITIES-OTHER>                                  432
<LONG-TERM>                                        6,501
<PREFERRED-MANDATORY>                                  0
<PREFERRED>                                            0
<COMMON>                                               4
<OTHER-SE>                                         1,829
<TOTAL-LIABILITIES-AND-EQUITY>                    78,557
<INTEREST-LOAN>                                    4,903
<INTEREST-INVEST>                                     48
<INTEREST-OTHER>                                     117
<INTEREST-TOTAL>                                   5,068
<INTEREST-DEPOSIT>                                 2,173
<INTEREST-EXPENSE>                                 2,484
<INTEREST-INCOME-NET>                              2,584
<LOAN-LOSSES>                                         79
<SECURITIES-GAINS>                                     0
<EXPENSE-OTHER>                                    2,749
<INCOME-PRETAX>                                      385
<INCOME-PRE-EXTRAORDINARY>                             0
<EXTRAORDINARY>                                        0
<CHANGES>                                              0
<NET-INCOME>                                         254
<EPS-PRIMARY>                                       0.06
<EPS-DILUTED>                                       0.06
<YIELD-ACTUAL>                                         0
<LOANS-NON>                                            0
<LOANS-PAST>                                         869
<LOANS-TROUBLED>                                     835
<LOANS-PROBLEM>                                        7
<ALLOWANCE-OPEN>                                     273
<CHARGE-OFFS>                                         74
<RECOVERIES>                                          25
<ALLOWANCE-CLOSE>                                    303
<ALLOWANCE-DOMESTIC>                                 303
<ALLOWANCE-FOREIGN>                                    0
<ALLOWANCE-UNALLOCATED>                              303
        


</TABLE>