<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEETS AND CONSOLIDATED STATEMENTS OF OPERATIONS FOUND ON
PAGES 3 AND 4 OF THE COMPANY'S FORM 10-Q FOR THE YEAR TO DATE
</LEGEND>
<MULTIPLIER> 1,000
<CURRENCY> U.S. DOLLARS
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             APR-01-1998
<PERIOD-END>                               JUN-30-1998
<EXCHANGE-RATE>                                      1
<CASH>                                             556
<INT-BEARING-DEPOSITS>                           3,716
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                           6,417
<INVESTMENTS-MARKET>                             6,521
<LOANS>                                        133,430
<ALLOWANCE>                                      1,130
<TOTAL-ASSETS>                                 151,934
<DEPOSITS>                                     110,069
<SHORT-TERM>                                    21,050
<LIABILITIES-OTHER>                              1,806
<LONG-TERM>                                      5,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            49
<OTHER-SE>                                      15,861
<TOTAL-LIABILITIES-AND-EQUITY>                 151,934
<INTEREST-LOAN>                                  2,468
<INTEREST-INVEST>                                   90
<INTEREST-OTHER>                                    70
<INTEREST-TOTAL>                                 2,628
<INTEREST-DEPOSIT>                               1,474
<INTEREST-EXPENSE>                                 370
<INTEREST-INCOME-NET>                              784
<LOAN-LOSSES>                                       21
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                    855
<INCOME-PRETAX>                                    187
<INCOME-PRE-EXTRAORDINARY>                         187
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       112
<EPS-PRIMARY>                                     0.02
<EPS-DILUTED>                                     0.02
<YIELD-ACTUAL>                                    7.38
<LOANS-NON>                                      1,666
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  4,512
<ALLOWANCE-OPEN>                                 1,146
<CHARGE-OFFS>                                       39
<RECOVERIES>                                         3
<ALLOWANCE-CLOSE>                                1,130
<ALLOWANCE-DOMESTIC>                             1,130
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0