<TABLE> <S> <C>


<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS 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-31-1997
<PERIOD-END>                               DEC-31-1997
<CASH>                                             727
<INT-BEARING-DEPOSITS>                           2,937
<FED-FUNDS-SOLD>                                 5,976
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     23,250
<INVESTMENTS-CARRYING>                          24,955
<INVESTMENTS-MARKET>                            23,250
<LOANS>                                         79,031
<ALLOWANCE>                                        208
<TOTAL-ASSETS>                                 123,078
<DEPOSITS>                                      75,041
<SHORT-TERM>                                     8,000
<LIABILITIES-OTHER>                              2,489
<LONG-TERM>                                     21,100
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            19
<OTHER-SE>                                      16,448
<TOTAL-LIABILITIES-AND-EQUITY>                 123,078
<INTEREST-LOAN>                                  5,968
<INTEREST-INVEST>                                2,582
<INTEREST-OTHER>                                   202
<INTEREST-TOTAL>                                 8,751
<INTEREST-DEPOSIT>                               3,201
<INTEREST-EXPENSE>                               4,973
<INTEREST-INCOME-NET>                            3,778
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                  60
<EXPENSE-OTHER>                                  3,070
<INCOME-PRETAX>                                    999
<INCOME-PRE-EXTRAORDINARY>                         999
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       636
<EPS-PRIMARY>                                       45
<EPS-DILUTED>                                       42
<YIELD-ACTUAL>                                     375
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   208
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  208
<ALLOWANCE-DOMESTIC>                               208
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        


</TABLE>