<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
The Form 10-KSB is qualified in its entirety by reference to
such financial statements
</LEGEND>
       
<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                              DEC-31-1997
<PERIOD-START>                                 DEC-01-1997
<PERIOD-END>                                   DEC-31-1997
<CASH>                                               5,611
<INT-BEARING-DEPOSITS>                                   0
<FED-FUNDS-SOLD>                                    20,744
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                         16,565
<INVESTMENTS-CARRYING>                               1,000
<INVESTMENTS-MARKET>                                 3,892
<LOANS>                                             70,985
<ALLOWANCE>                                          1,177
<TOTAL-ASSETS>                                     120,827
<DEPOSITS>                                          96,062
<SHORT-TERM>                                        13,306
<LIABILITIES-OTHER>                                    372
<LONG-TERM>                                              0
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                                23
<OTHER-SE>                                          11,064
<TOTAL-LIABILITIES-AND-EQUITY>                     120,827
<INTEREST-LOAN>                                      7,448
<INTEREST-INVEST>                                      937
<INTEREST-OTHER>                                       776
<INTEREST-TOTAL>                                     9,161
<INTEREST-DEPOSIT>                                   3,571
<INTEREST-EXPENSE>                                   3,631
<INTEREST-INCOME-NET>                                5,531
<LOAN-LOSSES>                                          748
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                      5,230
<INCOME-PRETAX>                                        315
<INCOME-PRE-EXTRAORDINARY>                             315
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                         1,084
<EPS-PRIMARY>                                         0.64
<EPS-DILUTED>                                         0.63
<YIELD-ACTUAL>                                        8.89
<LOANS-NON>                                            778
<LOANS-PAST>                                           371
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                      2,136
<ALLOWANCE-OPEN>                                       765
<CHARGE-OFFS>                                          368
<RECOVERIES>                                            32
<ALLOWANCE-CLOSE>                                    1,177
<ALLOWANCE-DOMESTIC>                                 1,177
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                764
        


</TABLE>