<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-END> SEP-30-1998 <CASH> 19 <INT-BEARING-DEPOSITS> 1612 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 2363 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 20190 <ALLOWANCE> 51 <TOTAL-ASSETS> 24735 <DEPOSITS> 18832 <SHORT-TERM> 0 <LIABILITIES-OTHER> 71 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 3660 <OTHER-SE> 2172 <TOTAL-LIABILITIES-AND-EQUITY> 24735 <INTEREST-LOAN> 1124 <INTEREST-INVEST> 0 <INTEREST-OTHER> 78 <INTEREST-TOTAL> 1284 <INTEREST-DEPOSIT> 788 <INTEREST-EXPENSE> 788 <INTEREST-INCOME-NET> 496 <LOAN-LOSSES> 0 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 392 <INCOME-PRETAX> 109 <INCOME-PRE-EXTRAORDINARY> 109 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 76 <EPS-PRIMARY> 0.19 <EPS-DILUTED> 0.19 <YIELD-ACTUAL> 7.30 <LOANS-NON> 0 <LOANS-PAST> 28 <LOANS-TROUBLED> 58 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 51 <CHARGE-OFFS> 0 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 51 <ALLOWANCE-DOMESTIC> 51 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0