<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
QUARTERLY REPORT ON FORM 10-QSB FOR THE FISCAL PERIODS ENDED JUNE 30, 1998 AND
IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
<S>                             <C>                     <C>                     <C>                     <C>
<PERIOD-TYPE>                   3-MOS                   3-MOS                   6-MOS                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1998             DEC-31-1997             DEC-31-1998             DEC-31-1997
<PERIOD-END>                               JUN-30-1998             JUN-30-1997             JUN-30-1998             JUN-30-1997
<CASH>                                             977                     517                     977                     517
<INT-BEARING-DEPOSITS>                           1,948                   1,602                   1,948                   1,602
<FED-FUNDS-SOLD>                                     0                       0                       0                       0
<TRADING-ASSETS>                                     0                       0                       0                       0
<INVESTMENTS-HELD-FOR-SALE>                     39,630                  27,999                  39,630                  27,999
<INVESTMENTS-CARRYING>                          15,193                  23,158                  15,193                  23,158
<INVESTMENTS-MARKET>                            15,448                  23,204                  15,448                  23,204
<LOANS>                                         94,809                  87,221                  94,809                  87,221
<ALLOWANCE>                                        458                     710                     458                     710
<TOTAL-ASSETS>                                 159,460                 146,542                 159,460                 146,542
<DEPOSITS>                                     105,806                 106,786                 105,806                 106,786
<SHORT-TERM>                                    18,000                  10,500                  18,000                  10,500
<LIABILITIES-OTHER>                              1,254                   1,133                   1,254                   1,133
<LONG-TERM>                                     23,000                  18,000                  23,000                  18,000
<PREFERRED-MANDATORY>                           11,400                  10,123                  11,400                  10,123
<PREFERRED>                                          0                       0                       0                       0
<COMMON>                                             0                       0                       0                       0
<OTHER-SE>                                           0                       0                       0                       0
<TOTAL-LIABILITIES-AND-EQUITY>                 159,460                 146,542                 159,460                 146,542
<INTEREST-LOAN>                                  1,892                   1,742                   3,740                   3,401
<INTEREST-INVEST>                                  969                     934                   1,932                   1,819
<INTEREST-OTHER>                                     0                       0                       0                       0
<INTEREST-TOTAL>                                 2,861                   2,676                   5,672                   5,220
<INTEREST-DEPOSIT>                               1,233                   1,264                   2,463                   2,480
<INTEREST-EXPENSE>                               1,809                   1,663                   3,580                   3,231
<INTEREST-INCOME-NET>                            1,052                   1,013                   2,092                   1,989
<LOAN-LOSSES>                                       12                      12                      24                      24
<SECURITIES-GAINS>                                  61                       0                      97                       0
<EXPENSE-OTHER>                                    731                     621                   1,423                   1,280
<INCOME-PRETAX>                                    593                     458                   1,053                     850
<INCOME-PRE-EXTRAORDINARY>                         593                     458                   1,053                     850
<EXTRAORDINARY>                                      0                       0                       0                       0
<CHANGES>                                            0                       0                       0                       0
<NET-INCOME>                                       409                     290                     720                     537
<EPS-PRIMARY>                                     0.39                    0.28                    0.70                    0.51
<EPS-DILUTED>                                     0.37                    0.26                    0.65                    0.48
<YIELD-ACTUAL>                                    2.88                    2.92                    2.83                    2.89
<LOANS-NON>                                        371                     651                     371                     651
<LOANS-PAST>                                         0                       0                       0                       0
<LOANS-TROUBLED>                                     0                       0                       0                       0
<LOANS-PROBLEM>                                      0                       0                       0                       0
<ALLOWANCE-OPEN>                                   460                     698                     568                     686
<CHARGE-OFFS>                                       14                       0                     134                       0
<RECOVERIES>                                         0                       0                       0                       0
<ALLOWANCE-CLOSE>                                  458                     710                     458                     710
<ALLOWANCE-DOMESTIC>                               362                     539                     362                     539
<ALLOWANCE-FOREIGN>                                  0                       0                       0                       0
<ALLOWANCE-UNALLOCATED>                             96                     171                      96                     171
        


</TABLE>