<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
     THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL  INFORMATION  DERIVED FROM THE
QUARTERLY REPORT ON FORM 10-QSB AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH FINANCIAL INFORMATION.
</LEGEND>


<MULTIPLIER>                                   1000
       
<S>                                            <C>
<PERIOD-TYPE>                                  9-MOS
<FISCAL-YEAR-END>                              DEC-31-1997
<PERIOD-END>                                   SEP-30-1998
<CASH>                                             560
<INT-BEARING-DEPOSITS>                           7,847
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      4,808
<INVESTMENTS-CARRYING>                          14,304
<INVESTMENTS-MARKET>                            14,558
<LOANS>                                         13,925
<ALLOWANCE>                                        123
<TOTAL-ASSETS>                                  47,191
<DEPOSITS>                                      36,755
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                544
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            73   
<OTHER-SE>                                       9,819
<TOTAL-LIABILITIES-AND-EQUITY>                  47,191
<INTEREST-LOAN>                                    805
<INTEREST-INVEST>                                  867
<INTEREST-OTHER>                                   498
<INTEREST-TOTAL>                                 2,170
<INTEREST-DEPOSIT>                               1,155
<INTEREST-EXPENSE>                               1,155
<INTEREST-INCOME-NET>                            1,015
<LOAN-LOSSES>                                       17
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,071
<INCOME-PRETAX>                                     22
<INCOME-PRE-EXTRAORDINARY>                          22
<EXTRAORDINARY>                                      0   
<CHANGES>                                            0
<NET-INCOME>                                        57
<EPS-PRIMARY>                                      .09 
<EPS-DILUTED>                                      .09
<YIELD-ACTUAL>                                    2.35
<LOANS-NON>                                         67
<LOANS-PAST>                                       106
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   110
<CHARGE-OFFS>                                        4
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  123
<ALLOWANCE-DOMESTIC>                               123
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        


</TABLE>