<ARTICLE> 9
       
                                                  
<PERIOD-TYPE>                   YEAR                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1996             DEC-31-1997
<PERIOD-START>                             JAN-01-1996             JAN-01-1997
<PERIOD-END>                               DEC-31-1996             MAR-31-1997
<CASH>                                             450                     528
<INT-BEARING-DEPOSITS>                           2,785                   3,285
<FED-FUNDS-SOLD>                                     0                       0
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                        339                     345
<INVESTMENTS-CARRYING>                           4,781                   4,736
<INVESTMENTS-MARKET>                             4,874                   4,801
<LOANS>                                         25,138                  25,245
<ALLOWANCE>                                        143                     143
<TOTAL-ASSETS>                                  33,929                  34,564
<DEPOSITS>                                      28,791                  29,425
<SHORT-TERM>                                         0                       0
<LIABILITIES-OTHER>                                368                     279
<LONG-TERM>                                          0                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                             0                       0
<OTHER-SE>                                       4,770                   4,860
<TOTAL-LIABILITIES-AND-EQUITY>                  33,929                  34,564
<INTEREST-LOAN>                                  2,000                     489
<INTEREST-INVEST>                                  515                     125
<INTEREST-OTHER>                                     0                       0
<INTEREST-TOTAL>                                 2,515                     614
<INTEREST-DEPOSIT>                               1,158                     286
<INTEREST-EXPENSE>                               1,158                     287
<INTEREST-INCOME-NET>                            1,357                     327
<LOAN-LOSSES>                                        0                       0
<SECURITIES-GAINS>                                   0                       0
<EXPENSE-OTHER>                                  1,083                     201
<INCOME-PRETAX>                                    319                     135
<INCOME-PRE-EXTRAORDINARY>                         212                      90
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                       212                      90
<EPS-PRIMARY>                                        0                       0
<EPS-DILUTED>                                        0                       0
<YIELD-ACTUAL>                                    4.08                    3.94
<LOANS-NON>                                         69                     200
<LOANS-PAST>                                         0                       0
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                    339                     139
<ALLOWANCE-OPEN>                                   143                     143
<CHARGE-OFFS>                                        0                       0
<RECOVERIES>                                         0                       0
<ALLOWANCE-CLOSE>                                  143                     143
<ALLOWANCE-DOMESTIC>                               143                     143
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0