<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>                                   1000
       
                                            
<PERIOD-TYPE>                                  9-MOS
<FISCAL-YEAR-END>                              DEC-30-1998
<PERIOD-END>                                   SEP-30-1998
<CASH>                                           1,613
<INT-BEARING-DEPOSITS>                           5,849
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     25,576
<INVESTMENTS-CARRYING>                          33,090
<INVESTMENTS-MARKET>                            33,263
<LOANS>                                        109,933
<ALLOWANCE>                                        611
<TOTAL-ASSETS>                                 184,512
<DEPOSITS>                                     172,400
<SHORT-TERM>                                       520
<LIABILITIES-OTHER>                              1,306
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           440
<OTHER-SE>                                       9,847
<TOTAL-LIABILITIES-AND-EQUITY>                 184,512
<INTEREST-LOAN>                                  6,668
<INTEREST-INVEST>                                2,776
<INTEREST-OTHER>                                   362
<INTEREST-TOTAL>                                 9,806
<INTEREST-DEPOSIT>                               6,382
<INTEREST-EXPENSE>                                  27
<INTEREST-INCOME-NET>                            3,397
<LOAN-LOSSES>                                       75
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  2,443
<INCOME-PRETAX>                                  1,001
<INCOME-PRE-EXTRAORDINARY>                       1,001
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,157
<EPS-PRIMARY>                                     2.63
<EPS-DILUTED>                                     2.63
<YIELD-ACTUAL>                                    2.55
<LOANS-NON>                                      1,683
<LOANS-PAST>                                        11
<LOANS-TROUBLED>                                   406
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   596
<CHARGE-OFFS>                                       61
<RECOVERIES>                                         1
<ALLOWANCE-CLOSE>                                  611
<ALLOWANCE-DOMESTIC>                               611
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            611