<ARTICLE>                                            9
<LEGEND>
     THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL  INFORMATION  DERIVED FROM THE
QUARTERLY REPORT ON FORM 10-QSB AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH FINANCIAL INFORMATION.
</LEGEND>
<MULTIPLIER>                                 1,000
                    
                                      
<PERIOD-TYPE>                               3-MOS
<FISCAL-YEAR-END>                           DEC-31-1998
<PERIOD-END>                                MAR-31-1998
<CASH>                                         585
<INT-BEARING-DEPOSITS>                       4,386
<FED-FUNDS-SOLD>                                 0
<TRADING-ASSETS>                                 0
<INVESTMENTS-HELD-FOR-SALE>                  6,101
<INVESTMENTS-CARRYING>                         583
<INVESTMENTS-MARKET>                           531
<LOANS>                                     40,391
<ALLOWANCE>                                    309
<TOTAL-ASSETS>                              53,103
<DEPOSITS>                                  40,069
<SHORT-TERM>                                     0
<LIABILITIES-OTHER>                            661
<LONG-TERM>                                      0
<PREFERRED-MANDATORY>                            0
<PREFERRED>                                      0
<COMMON>                                        77
<OTHER-SE>                                  12,296
<TOTAL-LIABILITIES-AND-EQUITY>              53,103
<INTEREST-LOAN>                                834
<INTEREST-INVEST>                              100
<INTEREST-OTHER>                                53
<INTEREST-TOTAL>                               987
<INTEREST-DEPOSIT>                             481
<INTEREST-EXPENSE>                             481
<INTEREST-INCOME-NET>                          506
<LOAN-LOSSES>                                    8
<SECURITIES-GAINS>                               0
<EXPENSE-OTHER>                                284
<INCOME-PRETAX>                                254
<INCOME-PRE-EXTRAORDINARY>                     254
<EXTRAORDINARY>                                  0
<CHANGES>                                        0
<NET-INCOME>                                   160
<EPS-PRIMARY>                                  .22
<EPS-DILUTED>                                  .22
<YIELD-ACTUAL>                                3.93
<LOANS-NON>                                    242
<LOANS-PAST>                                     0
<LOANS-TROUBLED>                                 0
<LOANS-PROBLEM>                                  0
<ALLOWANCE-OPEN>                               301
<CHARGE-OFFS>                                    0
<RECOVERIES>                                     0
<ALLOWANCE-CLOSE>                              309
<ALLOWANCE-DOMESTIC>                           309
<ALLOWANCE-FOREIGN>                              0
<ALLOWANCE-UNALLOCATED>                          0