<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from Form 10-QSB
for the period ended June 30, 1998 and is qualified in its entirety by reference
to such financial statements.
</LEGEND>
<MULTIPLIER> 1,000
       
<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               JUN-30-1998
<CASH>                                             924
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 1,858
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      4,957
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                          8,829
<ALLOWANCE>                                         90
<TOTAL-ASSETS>                                  17,873
<DEPOSITS>                                      13,533
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                234
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             5
<OTHER-SE>                                       4,101
<TOTAL-LIABILITIES-AND-EQUITY>                  17,873
<INTEREST-LOAN>                                    287
<INTEREST-INVEST>                                   32
<INTEREST-OTHER>                                   107
<INTEREST-TOTAL>                                   426
<INTEREST-DEPOSIT>                                 235
<INTEREST-EXPENSE>                                 237
<INTEREST-INCOME-NET>                              189
<LOAN-LOSSES>                                       55
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                    477<F1>
<INCOME-PRETAX>                                  (324)
<INCOME-PRE-EXTRAORDINARY>                       (324)
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     (221)
<EPS-PRIMARY>                                    (.48)
<EPS-DILUTED>                                    (.48)
<YIELD-ACTUAL>                                    3.17
<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>                                   90
<ALLOWANCE-DOMESTIC>                                90
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
<FN>
<F1>Other expense includes: salaries and employee benefits of $213, occupancy of
$88, advertising of $49 and other expenses which totalted $127.
<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>