<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
This scheudle contains summary financial information extracted from Form 10-QSB
for the period ended March 31, 1998 and is qualified in its entirety by
reference to such financial statements.
</LEGEND>
<MULTIPLIER> 1,000
       
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               MAR-31-1998
<CASH>                                             750
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 6,073
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                          6,326
<ALLOWANCE>                                         64
<TOTAL-ASSETS>                                  14,137
<DEPOSITS>                                       9,738
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                175
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             5
<OTHER-SE>                                       4,219
<TOTAL-LIABILITIES-AND-EQUITY>                  14,137
<INTEREST-LOAN>                                    123
<INTEREST-INVEST>                                    0
<INTEREST-OTHER>                                    46
<INTEREST-TOTAL>                                   169
<INTEREST-DEPOSIT>                                  81
<INTEREST-EXPENSE>                                  81
<INTEREST-INCOME-NET>                               88
<LOAN-LOSSES>                                       29
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                    228<F1>
<INCOME-PRETAX>                                  (160)
<INCOME-PRE-EXTRAORDINARY>                       (160)
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     (110)
<EPS-PRIMARY>                                    (.24)
<EPS-DILUTED>                                    (.24)
<YIELD-ACTUAL>                                    3.74
<LOANS-NON>                                          0<F2>
<LOANS-PAST>                                         0<F2>
<LOANS-TROUBLED>                                     0<F2>
<LOANS-PROBLEM>                                      0<F2>
<ALLOWANCE-OPEN>                                    35
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                   64
<ALLOWANCE-DOMESTIC>                                64
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
<FN>
<F1>Other expense includes: salaries and employee benefits of $97, occupancy of
$42, professional fees of $12, advertising of $28 and other expenses which
totaled $49.
<F2>Items are only disclosed on an annual basis in the Company's Form 10-KSB, and
are, therefore, not included in this Financial Data Schedule.
</FN>
        

</TABLE>