<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   OTHER
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JUL-17-1998
<PERIOD-END>                               DEC-31-1998
<CASH>                                               0
<INT-BEARING-DEPOSITS>                       1,762,031
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                              0
<ALLOWANCE>                                          0
<TOTAL-ASSETS>                                       0
<DEPOSITS>                                           0
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                  0
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         2,000
<OTHER-SE>                                   1,998,000
<TOTAL-LIABILITIES-AND-EQUITY>               1,953,476
<INTEREST-LOAN>                                      0
<INTEREST-INVEST>                                    0
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                     0
<INTEREST-DEPOSIT>                                   0
<INTEREST-EXPENSE>                                   0
<INTEREST-INCOME-NET>                                0
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 46,524
<INCOME-PRETAX>                                (46,524)
<INCOME-PRE-EXTRAORDINARY>                     (46,524)
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   (46,524)
<EPS-PRIMARY>                                     (.23)
<EPS-DILUTED>                                     (.23)
<YIELD-ACTUAL>                                       0
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                     0
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                    0
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0