<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET AND THE CONSOLIDATED STATEMENT OF INCOME FILED AS
PART OF THE QUARTERLY REPORT ON FORM 10-QSB AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               JUN-01-1999
<CASH>                                             532
<INT-BEARING-DEPOSITS>                           2,465
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      6,663
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         35,755
<ALLOWANCE>                                        224
<TOTAL-ASSETS>                                  46,818
<DEPOSITS>                                      30,951
<SHORT-TERM>                                     2,500
<LIABILITIES-OTHER>                              3,165
<LONG-TERM>                                      5,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                       5,151
<TOTAL-LIABILITIES-AND-EQUITY>                  46,818
<INTEREST-LOAN>                                  1,371
<INTEREST-INVEST>                                  203
<INTEREST-OTHER>                                    27
<INTEREST-TOTAL>                                 1,601
<INTEREST-DEPOSIT>                                 736
<INTEREST-EXPENSE>                                 889
<INTEREST-INCOME-NET>                              712
<LOAN-LOSSES>                                        6
<SECURITIES-GAINS>                                  10
<EXPENSE-OTHER>                                    489
<INCOME-PRETAX>                                    244
<INCOME-PRE-EXTRAORDINARY>                         161
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       161
<EPS-BASIC>                                          0
<EPS-DILUTED>                                        0
<YIELD-ACTUAL>                                    3.47
<LOANS-NON>                                          0
<LOANS-PAST>                                       209
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   218
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  224
<ALLOWANCE-DOMESTIC>                               224
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0