<TABLE> <S> <C>

<ARTICLE>                        9
       
<S>                                                 <C>
<PERIOD-TYPE>                                       9-MOS
<FISCAL-YEAR-END>                                   DEC-30-1998
<PERIOD-END>                                        SEP-30-1998
<CASH>                                                2,010,000
<INT-BEARING-DEPOSITS>                                3,957,000
<FED-FUNDS-SOLD>                                              0
<TRADING-ASSETS>                                              0
<INVESTMENTS-HELD-FOR-SALE>                          24,391,000
<INVESTMENTS-CARRYING>                                3,027,000
<INVESTMENTS-MARKET>                                  3,038,000
<LOANS>                                              78,085,000
<ALLOWANCE>                                             777,000
<TOTAL-ASSETS>                                      115,064,000
<DEPOSITS>                                          100,648,000
<SHORT-TERM>                                                  0
<LIABILITIES-OTHER>                                     806,000
<LONG-TERM>                                              74,000
<PREFERRED-MANDATORY>                                         0
<PREFERRED>                                                   0
<COMMON>                                                598,000
<OTHER-SE>                                           12,938,000
<TOTAL-LIABILITIES-AND-EQUITY>                      115,064,000
<INTEREST-LOAN>                                       1,689,000
<INTEREST-INVEST>                                       426,000
<INTEREST-OTHER>                                              0
<INTEREST-TOTAL>                                      2,115,000
<INTEREST-DEPOSIT>                                    1,082,000
<INTEREST-EXPENSE>                                    1,083,000
<INTEREST-INCOME-NET>                                 1,032,000
<LOAN-LOSSES>                                            42,000
<SECURITIES-GAINS>                                            0
<EXPENSE-OTHER>                                          94,000
<INCOME-PRETAX>                                         522,000
<INCOME-PRE-EXTRAORDINARY>                              522,000
<EXTRAORDINARY>                                               0
<CHANGES>                                                     0
<NET-INCOME>                                            324,000
<EPS-PRIMARY>                                              0.18
<EPS-DILUTED>                                              0.18
<YIELD-ACTUAL>                                             8.11
<LOANS-NON>                                             578,000
<LOANS-PAST>                                                  0
<LOANS-TROUBLED>                                              0
<LOANS-PROBLEM>                                         319,000
<ALLOWANCE-OPEN>                                        764,000
<CHARGE-OFFS>                                            29,000
<RECOVERIES>                                                  0
<ALLOWANCE-CLOSE>                                       777,000
<ALLOWANCE-DOMESTIC>                                    777,000
<ALLOWANCE-FOREIGN>                                           0
<ALLOWANCE-UNALLOCATED>                                       0
        

</TABLE>