<ARTICLE>                                            9
<LEGEND>
This schedule contains summary financial information from SEC Form 10-QSB and is
qualified in its entirety by reference to such financial information.
</LEGEND>

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                              DEC-31-1998
<PERIOD-START>                                 JAN-01-1999
<PERIOD-END>                                   JUN-30-1999
<CASH>                                            556
<INT-BEARING-DEPOSITS>                              0
<FED-FUNDS-SOLD>                                  350
<TRADING-ASSETS>                                    0
<INVESTMENTS-HELD-FOR-SALE>                    12,771
<INVESTMENTS-CARRYING>                         12,771
<INVESTMENTS-MARKET>                           12,759
<LOANS>                                         4,649
<ALLOWANCE>                                        70
<TOTAL-ASSETS>                                 18,657
<DEPOSITS>                                     10,217
<SHORT-TERM>                                        0
<LIABILITIES-OTHER>                               293
<LONG-TERM>                                         0
<PREFERRED-MANDATORY>                               0
<PREFERRED>                                         0
<COMMON>                                        8,147
<OTHER-SE>                                       (524)
<TOTAL-LIABILITIES-AND-EQUITY>                 18,657
<INTEREST-LOAN>                                    66
<INTEREST-INVEST>                                 282
<INTEREST-OTHER>                                    0
<INTEREST-TOTAL>                                  348
<INTEREST-DEPOSIT>                                 97
<INTEREST-EXPENSE>                                 97
<INTEREST-INCOME-NET>                             251
<LOAN-LOSSES>                                      70
<SECURITIES-GAINS>                                  0
<EXPENSE-OTHER>                                   574
<INCOME-PRETAX>                                  (375)
<INCOME-PRE-EXTRAORDINARY>                       (375)
<EXTRAORDINARY>                                     0
<CHANGES>                                           0
<NET-INCOME>                                     (375)
<EPS-BASIC>                                   (0.40)
<EPS-DILUTED>                                   (0.40)
<YIELD-ACTUAL>                                   3.85
<LOANS-NON>                                         0
<LOANS-PAST>                                        0
<LOANS-TROUBLED>                                    0
<LOANS-PROBLEM>                                     0
<ALLOWANCE-OPEN>                                    0
<CHARGE-OFFS>                                       0
<RECOVERIES>                                        0
<ALLOWANCE-CLOSE>                                  70
<ALLOWANCE-DOMESTIC>                               70
<ALLOWANCE-FOREIGN>                                 0
<ALLOWANCE-UNALLOCATED>                             0