<ARTICLE>                                            9
<LEGEND>
     THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION DERIVED FROM THE
     FINANCIAL STATEMENTS IN THE PROSPECTUS WHICH FORMS PART OF FORM SB-2 AND IS
     QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL INFORMATION.
</LEGEND>

<MULTIPLIER>                                   1,000
       
                                            
<PERIOD-TYPE>                                  12-MOS
<FISCAL-YEAR-END>                              DEC-31-1997
<PERIOD-END>                                   DEC-31-1997
<CASH>                                          4,600
<INT-BEARING-DEPOSITS>                              0
<FED-FUNDS-SOLD>                                    0
<TRADING-ASSETS>                                    0
<INVESTMENTS-HELD-FOR-SALE>                    16,833
<INVESTMENTS-CARRYING>                         24,789
<INVESTMENTS-MARKET>                           24,847
<LOANS>                                        46,385
<ALLOWANCE>                                       179
<TOTAL-ASSETS>                                 95,655
<DEPOSITS>                                     85,650
<SHORT-TERM>                                    1,900
<LIABILITIES-OTHER>                               844
<LONG-TERM>                                       650
<PREFERRED-MANDATORY>                               0
<PREFERRED>                                         0
<COMMON>                                            0
<OTHER-SE>                                      6,610
<TOTAL-LIABILITIES-AND-EQUITY>                 95,655
<INTEREST-LOAN>                                 3,604
<INTEREST-INVEST>                               3,029
<INTEREST-OTHER>                                  261
<INTEREST-TOTAL>                                6,895
<INTEREST-DEPOSIT>                              3,778
<INTEREST-EXPENSE>                                461
<INTEREST-INCOME-NET>                           2,666
<LOAN-LOSSES>                                      35
<SECURITIES-GAINS>                                 55
<EXPENSE-OTHER>                                 2,352
<INCOME-PRETAX>                                 1,121
<INCOME-PRE-EXTRAORDINARY>                      1,121
<EXTRAORDINARY>                                     0
<CHANGES>                                           0
<NET-INCOME>                                      672
<EPS-PRIMARY>                                       0
<EPS-DILUTED>                                       0
<YIELD-ACTUAL>                                   2.75
<LOANS-NON>                                        79
<LOANS-PAST>                                        0
<LOANS-TROUBLED>                                    0
<LOANS-PROBLEM>                                     0
<ALLOWANCE-OPEN>                                  146
<CHARGE-OFFS>                                       5
<RECOVERIES>                                        3
<ALLOWANCE-CLOSE>                                 179
<ALLOWANCE-DOMESTIC>                              179
<ALLOWANCE-FOREIGN>                                 0
<ALLOWANCE-UNALLOCATED>                             0