<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
SEPTEMBER 30, 1998 10-QSB FINANCIAL STATEMENTS AND IS QUALIFIED IN ITS ENTIRETY
BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
<CURRENCY> U.S. DOLLARS
       
<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               SEP-30-1998
<EXCHANGE-RATE>                                      1
<CASH>                                           1,371
<INT-BEARING-DEPOSITS>                              99
<FED-FUNDS-SOLD>                                 3,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     14,755
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         21,842
<ALLOWANCE>                                        860
<TOTAL-ASSETS>                                  43,798
<DEPOSITS>                                      35,823
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                497
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             1
<OTHER-SE>                                       7,477
<TOTAL-LIABILITIES-AND-EQUITY>                  43,798
<INTEREST-LOAN>                                  1,670
<INTEREST-INVEST>                                  670
<INTEREST-OTHER>                                   132
<INTEREST-TOTAL>                                 2,472
<INTEREST-DEPOSIT>                               1,039
<INTEREST-EXPENSE>                               1,039
<INTEREST-INCOME-NET>                            1,433
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,453
<INCOME-PRETAX>                                    197
<INCOME-PRE-EXTRAORDINARY>                         197
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       142
<EPS-PRIMARY>                                      .22
<EPS-DILUTED>                                      .21
<YIELD-ACTUAL>                                     8.5
<LOANS-NON>                                          1
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   752
<CHARGE-OFFS>                                       12
<RECOVERIES>                                        84
<ALLOWANCE-CLOSE>                                  824
<ALLOWANCE-DOMESTIC>                               824
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            346
        

</TABLE>