<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY INFORMATION EXTRACTED FROM THE
FORM 10-QSB AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               JUN-30-1997
<CASH>                                             380
<INT-BEARING-DEPOSITS>                             599
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      7,133
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         38,893
<ALLOWANCE>                                         61
<TOTAL-ASSETS>                                  48,123
<DEPOSITS>                                      30,733
<SHORT-TERM>                                     9,788
<LIABILITIES-OTHER>                                257
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                       7,345
<TOTAL-LIABILITIES-AND-EQUITY>                  48,123
<INTEREST-LOAN>                                  1,477
<INTEREST-INVEST>                                  279
<INTEREST-OTHER>                                    16
<INTEREST-TOTAL>                                 1,772
<INTEREST-DEPOSIT>                                 745
<INTEREST-EXPENSE>                                 987
<INTEREST-INCOME-NET>                              785
<LOAN-LOSSES>                                        6
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                    631
<INCOME-PRETAX>                                    206
<INCOME-PRE-EXTRAORDINARY>                         206
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       136
<EPS-PRIMARY>                                      .32
<EPS-DILUTED>                                      .32
<YIELD-ACTUAL>                                    7.56
<LOANS-NON>                                         50
<LOANS-PAST>                                         5
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      4
<ALLOWANCE-OPEN>                                    58
<CHARGE-OFFS>                                        6
<RECOVERIES>                                         3
<ALLOWANCE-CLOSE>                                   61
<ALLOWANCE-DOMESTIC>                                 2
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                             59