<ARTICLE>                                    9
<MULTIPLIER>                             1,000
<PERIOD-TYPE>                            3-MOS
<FISCAL-YEAR-END>                  DEC-31-1997
<PERIOD-END>                       MAR-31-1997
<CASH>                                     886
<INT-BEARING-DEPOSITS>                   2,822
<FED-FUNDS-SOLD>                         9,000
<TRADING-ASSETS>                             0
<INVESTMENTS-HELD-FOR-SALE>                  0
<INVESTMENTS-CARRYING>                     225
<INVESTMENTS-MARKET>                       225
<LOANS>                                    425
<ALLOWANCE>                                  5
<TOTAL-ASSETS>                          13,864
<DEPOSITS>                               3,031
<SHORT-TERM>                                 0
<LIABILITIES-OTHER>                        167
<LONG-TERM>                                  0
<PREFERRED-MANDATORY>                        0
<PREFERRED>                                  0
<COMMON>                                10,815
<OTHER-SE>                                (149)
<TOTAL-LIABILITIES-AND-EQUITY>          13,864
<INTEREST-LOAN>                              1
<INTEREST-INVEST>                           32
<INTEREST-OTHER>                             0
<INTEREST-TOTAL>                            33
<INTEREST-DEPOSIT>                           4
<INTEREST-EXPENSE>                           0
<INTEREST-INCOME-NET>                       29
<LOAN-LOSSES>                                5
<SECURITIES-GAINS>                           0
<EXPENSE-OTHER>                            105
<INCOME-PRETAX>                            (81)
<INCOME-PRE-EXTRAORDINARY>                 (81)
<EXTRAORDINARY>                              0
<CHANGES>                                    0
<NET-INCOME>                               (81)
<EPS-PRIMARY>                            (0.08)
<EPS-DILUTED>                            (0.08)
<YIELD-ACTUAL>                            5.26
<LOANS-NON>                                  0
<LOANS-PAST>                                 0
<LOANS-TROUBLED>                             0
<LOANS-PROBLEM>                              0
<ALLOWANCE-OPEN>                             0
<CHARGE-OFFS>                                0
<RECOVERIES>                                 0
<ALLOWANCE-CLOSE>                            5
<ALLOWANCE-DOMESTIC>                         0
<ALLOWANCE-FOREIGN>                          0
<ALLOWANCE-UNALLOCATED>                      5