<TABLE> <S> <C>


<ARTICLE>                                            9
<MULTIPLIER>                                     1,000
       
<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                              DEC-31-1998
<PERIOD-END>                                   JUN-30-1998
<CASH>                                             972    
<INT-BEARING-DEPOSITS>                           4,311    
<FED-FUNDS-SOLD>                                12,190    
<TRADING-ASSETS>                                     0    
<INVESTMENTS-HELD-FOR-SALE>                        240    
<INVESTMENTS-CARRYING>                               0    
<INVESTMENTS-MARKET>                                 0    
<LOANS>                                            341    
<ALLOWANCE>                                          3    
<TOTAL-ASSETS>                                  15,061    
<DEPOSITS>                                       4,801    
<SHORT-TERM>                                         0    
<LIABILITIES-OTHER>                                358    
<LONG-TERM>                                          0    
<PREFERRED-MANDATORY>                                0    
<PREFERRED>                                          0    
<COMMON>                                         1,410    
<OTHER-SE>                                       8,492    
<TOTAL-LIABILITIES-AND-EQUITY>                  15,061    
<INTEREST-LOAN>                                      4    
<INTEREST-INVEST>                                    1    
<INTEREST-OTHER>                                   128    
<INTEREST-TOTAL>                                   132    
<INTEREST-DEPOSIT>                                   8    
<INTEREST-EXPENSE>                                   8    
<INTEREST-INCOME-NET>                              124    
<LOAN-LOSSES>                                        3    
<SECURITIES-GAINS>                                   0    
<EXPENSE-OTHER>                                    446    
<INCOME-PRETAX>                                   (323)   
<INCOME-PRE-EXTRAORDINARY>                        (323)   
<EXTRAORDINARY>                                      0
<CHANGES>                                            0     
<NET-INCOME>                                       323     
<EPS-PRIMARY>                                        0.23  
<EPS-DILUTED>                                        0.23  
<YIELD-ACTUAL>                                       6.05  
<LOANS-NON>                                          0     
<LOANS-PAST>                                         0     
<LOANS-TROUBLED>                                     0     
<LOANS-PROBLEM>                                      0     
<ALLOWANCE-OPEN>                                     3     
<CHARGE-OFFS>                                        0     
<RECOVERIES>                                         0     
<ALLOWANCE-CLOSE>                                    3     
<ALLOWANCE-DOMESTIC>                                 3     
<ALLOWANCE-FOREIGN>                                  0     
<ALLOWANCE-UNALLOCATED>                              0     
                                                  


</TABLE>