<TABLE> <S> <C>


<ARTICLE>                                            9
<MULTIPLIER>                                     1,000
       
<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                              DEC-31-1998
<PERIOD-END>                                   SEP-30-1998
<CASH>                                           1,458
<INT-BEARING-DEPOSITS>                          14,192
<FED-FUNDS-SOLD>                                32,546
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     15,577      
<INVESTMENTS-CARRYING>                               0      
<INVESTMENTS-MARKET>                                 0      
<LOANS>                                          3,148      
<ALLOWANCE>                                         41      
<TOTAL-ASSETS>                                  54,183      
<DEPOSITS>                                      18,335      
<SHORT-TERM>                                         0      
<LIABILITIES-OTHER>                                345      
<LONG-TERM>                                          0      
<PREFERRED-MANDATORY>                                0      
<PREFERRED>                                          0      
<COMMON>                                         4,240      
<OTHER-SE>                                      31,263      
<TOTAL-LIABILITIES-AND-EQUITY>                  54,183      
<INTEREST-LOAN>                                     35      
<INTEREST-INVEST>                                   75      
<INTEREST-OTHER>                                   713      
<INTEREST-TOTAL>                                   823      
<INTEREST-DEPOSIT>                                 152      
<INTEREST-EXPENSE>                                 153      
<INTEREST-INCOME-NET>                              670      
<LOAN-LOSSES>                                       41      
<SECURITIES-GAINS>                                   0      
<EXPENSE-OTHER>                                  1,580     
<INCOME-PRETAX>                                  (940)   
<INCOME-PRE-EXTRAORDINARY>                       (940)    
<EXTRAORDINARY>                                      0      
<CHANGES>                                            0      
<NET-INCOME>                                     (940)    
<EPS-PRIMARY>                                   (0.45) 
<EPS-DILUTED>                                   (0.45) 
<YIELD-ACTUAL>                                    5.55  
<LOANS-NON>                                          0     
<LOANS-PAST>                                         0     
<LOANS-TROUBLED>                                     0     
<LOANS-PROBLEM>                                      0     
<ALLOWANCE-OPEN>                                     3      
<CHARGE-OFFS>                                        0     
<RECOVERIES>                                         0     
<ALLOWANCE-CLOSE>                                   41     
<ALLOWANCE-DOMESTIC>                                41     
<ALLOWANCE-FOREIGN>                                  0     
<ALLOWANCE-UNALLOCATED>                              0     
                                                            
                                                            

</TABLE>