<ARTICLE> 9 <MULTIPLIER> 1,000 <CURRENCY> US DOLLARS <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-START> JAN-01-1998 <PERIOD-END> JUN-30-1998 <EXCHANGE-RATE> 1 <CASH> 5,081 <INT-BEARING-DEPOSITS> 38,194 <FED-FUNDS-SOLD> 10,100 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 2,754 <INVESTMENTS-CARRYING> 11,845 <INVESTMENTS-MARKET> 11,811 <LOANS> 45,077 <ALLOWANCE> 722 <TOTAL-ASSETS> 74,801 <DEPOSITS> 65,798 <SHORT-TERM> 0 <LIABILITIES-OTHER> 755 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 13,622 <OTHER-SE> (5,374) <TOTAL-LIABILITIES-AND-EQUITY> 74,801 <INTEREST-LOAN> 1,852 <INTEREST-INVEST> 344 <INTEREST-OTHER> 229 <INTEREST-TOTAL> 2,425 <INTEREST-DEPOSIT> 653 <INTEREST-EXPENSE> 1 <INTEREST-INCOME-NET> 1,771 <LOAN-LOSSES> 0 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 1,945 <INCOME-PRETAX> 32 <INCOME-PRE-EXTRAORDINARY> 32 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 31 <EPS-PRIMARY> .01 <EPS-DILUTED> .01 <YIELD-ACTUAL> 7.23 <LOANS-NON> 6 <LOANS-PAST> 37 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 747 <CHARGE-OFFS> 105 <RECOVERIES> 80 <ALLOWANCE-CLOSE> 722 <ALLOWANCE-DOMESTIC> 722 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 722