<ARTICLE> 5
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
FINANCIAL STATEMENTS OF THRIFT MANAGEMENT, INC. FOR THE SIX MONTHS ENDED JUNE
30, 1997 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               JUN-30-1997
<CASH>                                         789,298
<SECURITIES>                                 1,426,691
<RECEIVABLES>                                  206,907
<ALLOWANCES>                                         0
<INVENTORY>                                    232,904
<CURRENT-ASSETS>                             2,655,800
<PP&E>                                         523,631
<DEPRECIATION>                                 140,615
<TOTAL-ASSETS>                               3,295,661
<CURRENT-LIABILITIES>                          407,642
<BONDS>                                          7,403
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                      2,500
<COMMON>                                        21,450
<OTHER-SE>                                   2,856,666
<TOTAL-LIABILITY-AND-EQUITY>                 3,295,661
<SALES>                                      3,660,848
<TOTAL-REVENUES>                             3,660,848
<CGS>                                        1,747,849
<TOTAL-COSTS>                                1,747,849
<OTHER-EXPENSES>                             1,747,734
<LOSS-PROVISION>                                     0
<INTEREST-EXPENSE>                                 801
<INCOME-PRETAX>                                205,985
<INCOME-TAX>                                   104,700
<INCOME-CONTINUING>                                  0
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   101,285
<EPS-PRIMARY>                                     0.05
<EPS-DILUTED>                                     0.05