<TABLE> <S> <C>


<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTIANS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED STATEMENT OF CONDITION AT DECEMBER 31, 1997 AND THE CONSOLIDATED
STATEMENT OF OPERATIONS FOR THE TWELVE MONTHS ENDED DECEMBER 31, 1997 AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               DEC-31-1998
<CASH>                                             810
<INT-BEARING-DEPOSITS>                           2,413
<FED-FUNDS-SOLD>                                 5,722
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     14,880
<INVESTMENTS-CARRYING>                          15,069
<INVESTMENTS-MARKET>                            14,880
<LOANS>                                         82,123
<ALLOWANCE>                                        214
<TOTAL-ASSETS>                                 125,832
<DEPOSITS>                                      76,222
<SHORT-TERM>                                    10,350
<LIABILITIES-OTHER>                              2,188
<LONG-TERM>                                     23,750
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            19
<OTHER-SE>                                      13,303
<TOTAL-LIABILITIES-AND-EQUITY>                 125,832
<INTEREST-LOAN>                                  5,924
<INTEREST-INVEST>                                2,596
<INTEREST-OTHER>                                   124
<INTEREST-TOTAL>                                 8,644
<INTEREST-DEPOSIT>                               3,266
<INTEREST-EXPENSE>                               1,838
<INTEREST-INCOME-NET>                            3,540
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                  75
<EXPENSE-OTHER>                                  3,146
<INCOME-PRETAX>                                    747
<INCOME-PRE-EXTRAORDINARY>                         747
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       512
<EPS-PRIMARY>                                      .42
<EPS-DILUTED>                                      .40
<YIELD-ACTUAL>                                    3.70
<LOANS-NON>                                          0
<LOANS-PAST>                                        24
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   214
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  214
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            214
        


</TABLE>