<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>

THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE MARCH
31, 1998 10-QSB FNANCIAL 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>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               MAR-31-1998
<EXCHANGE-RATE>                                      1
<CASH>                                           3,708
<INT-BEARING-DEPOSITS>                             100
<FED-FUNDS-SOLD>                                 2,350
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     13,867
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         21,741
<ALLOWANCE>                                        824
<TOTAL-ASSETS>                                  43,540
<DEPOSITS>                                      35,841
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                422
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             1
<OTHER-SE>                                       7,276
<TOTAL-LIABILITIES-AND-EQUITY>                  43,540
<INTEREST-LOAN>                                    538
<INTEREST-INVEST>                                  207
<INTEREST-OTHER>                                    46
<INTEREST-TOTAL>                                   791
<INTEREST-DEPOSIT>                                 327
<INTEREST-EXPENSE>                                 327
<INTEREST-INCOME-NET>                              464
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                    466
<INCOME-PRETAX>                                     54
<INCOME-PRE-EXTRAORDINARY>                          54
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                        55
<EPS-PRIMARY>                                      .09
<EPS-DILUTED>                                      .08
<YIELD-ACTUAL>                                     8.4
<LOANS-NON>                                         39
<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>