<TABLE> <S> <C>


<ARTICLE>                                      9
<LEGEND>
THE SCHEDULE  CONTAINS SUMMARY FINANCIAL  INFORMATION  EXTRACTED FROM THE ANNUAL
REPORT ON FORM 10-KSB FOR THE YEAR ENDED  DECEMBER  31, 1997 AND IS QUALIFIED IN
ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER>                                     1,000


<S>                                        <C>
<PERIOD-TYPE>                                   12-Mos
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               DEC-31-1997
<CASH>                                           2,714
<INT-BEARING-DEPOSITS>                          12,169
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     34,703
<INVESTMENTS-CARRYING>                          46,418
<INVESTMENTS-MARKET>                            47,418
<LOANS>                                         76,159
<ALLOWANCE>                                        775
<TOTAL-ASSETS>                                 176,683
<DEPOSITS>                                     103,958
<SHORT-TERM>                                    11,000
<LIABILITIES-OTHER>                              4,298
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            21
<OTHER-SE>                                      30,406
<TOTAL-LIABILITIES-AND-EQUITY>                 176,683
<INTEREST-LOAN>                                  4,829
<INTEREST-INVEST>                                5,505
<INTEREST-OTHER>                                   959
<INTEREST-TOTAL>                                11,293
<INTEREST-DEPOSIT>                               5,504
<INTEREST-EXPENSE>                               5,723
<INTEREST-INCOME-NET>                            5,570
<LOAN-LOSSES>                                       30
<SECURITIES-GAINS>                                  (3)
<EXPENSE-OTHER>                                  4,509
<INCOME-PRETAX>                                  1,570
<INCOME-PRE-EXTRAORDINARY>                         944
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       944
<EPS-PRIMARY>                                      .40
<EPS-DILUTED>                                      .40
<YIELD-ACTUAL>                                    3.53
<LOANS-NON>                                        256
<LOANS-PAST>                                       388
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   745
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  775
<ALLOWANCE-DOMESTIC>                               519
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            256



</TABLE>