<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from Form 10-QSB
for the period ended March 31, 1998 and is qualified in its entirety by
reference to such financial statements.
</LEGEND>
<MULTIPLIER> 1,000
       
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               MAR-31-1998
<CASH>                                           4,093
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                10,591
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                           8,998
<INVESTMENTS-MARKET>                             8,987
<LOANS>                                         32,197
<ALLOWANCE>                                        354
<TOTAL-ASSETS>                                  59,051
<DEPOSITS>                                      50,536
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              1,532
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            16
<OTHER-SE>                                       6,967
<TOTAL-LIABILITIES-AND-EQUITY>                  59,051
<INTEREST-LOAN>                                    710
<INTEREST-INVEST>                                   58
<INTEREST-OTHER>                                   163
<INTEREST-TOTAL>                                   931
<INTEREST-DEPOSIT>                                 463
<INTEREST-EXPENSE>                                 463
<INTEREST-INCOME-NET>                              468
<LOAN-LOSSES>                                       56
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                    460<F1>
<INCOME-PRETAX>                                     39
<INCOME-PRE-EXTRAORDINARY>                          39
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                        24
<EPS-PRIMARY>                                      .02
<EPS-DILUTED>                                      .02
<YIELD-ACTUAL>                                     4.2
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   298
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  354
<ALLOWANCE-DOMESTIC>                               354
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
<FN>
<F1>Other expense includes: salaries and employee benefits of $223, occupancy of
$84, professional fees of $11, office supplies of $16 and other expenses which
totaled $126.
</FN>
        

</TABLE>