<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from Form 10-QSB
for the period ended September 30, 1998 and is qualified in its entirety by
reference to such financial statements.
</LEGEND>
<MULTIPLIER> 1,000
       
<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               SEP-30-1998
<CASH>                                           3,216
<INT-BEARING-DEPOSITS>                           7,257
<FED-FUNDS-SOLD>                                 4,097
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                           8,000
<INVESTMENTS-MARKET>                             7,999
<LOANS>                                         39,996
<ALLOWANCE>                                        406
<TOTAL-ASSETS>                                  65,713
<DEPOSITS>                                      47,016
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              1,490
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            32
<OTHER-SE>                                      17,174
<TOTAL-LIABILITIES-AND-EQUITY>                  65,713
<INTEREST-LOAN>                                  2,272
<INTEREST-INVEST>                                  376
<INTEREST-OTHER>                                   499
<INTEREST-TOTAL>                                 3,147
<INTEREST-DEPOSIT>                               1,525
<INTEREST-EXPENSE>                               1,525
<INTEREST-INCOME-NET>                            1,622
<LOAN-LOSSES>                                      108
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,511<F1>
<INCOME-PRETAX>                                    309
<INCOME-PRE-EXTRAORDINARY>                         309
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       198
<EPS-PRIMARY>                                      .07
<EPS-DILUTED>                                      .07
<YIELD-ACTUAL>                                       0<F2>
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   298
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  406
<ALLOWANCE-DOMESTIC>                               406
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
<FN>
<F1>Other expense includes: salaries and employee benefits of $750, occupancy of
$274, professional fees of $26 and other expenses which totaled $461.
<F2>Calculated at year-end.
</FN>
        

</TABLE>