<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-START> JAN-01-1998 <PERIOD-END> JUN-30-1998 <CASH> 622 <INT-BEARING-DEPOSITS> 617 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 0 <INVESTMENTS-CARRYING> 3,546 <INVESTMENTS-MARKET> 3,552 <LOANS> 18,563 <ALLOWANCE> 165 <TOTAL-ASSETS> 24,247 <DEPOSITS> 22,356 <SHORT-TERM> 0 <LIABILITIES-OTHER> 243 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 0 <OTHER-SE> 1,648 <TOTAL-LIABILITIES-AND-EQUITY> 24,247 <INTEREST-LOAN> 727 <INTEREST-INVEST> 127 <INTEREST-OTHER> 28 <INTEREST-TOTAL> 882 <INTEREST-DEPOSIT> 522 <INTEREST-EXPENSE> 522 <INTEREST-INCOME-NET> 360 <LOAN-LOSSES> 3 <SECURITIES-GAINS> 1 <EXPENSE-OTHER> 281 <INCOME-PRETAX> 98 <INCOME-PRE-EXTRAORDINARY> 72 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 72 <EPS-PRIMARY> 0 <EPS-DILUTED> 0 <YIELD-ACTUAL> 3.24 <LOANS-NON> 303 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 164 <CHARGE-OFFS> 3 <RECOVERIES> 1 <ALLOWANCE-CLOSE> 165 <ALLOWANCE-DOMESTIC> 165 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0