<ARTICLE>                                         9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL  INFORMATION EXTRACTED FROM THE AUDITED
FINANCIAL STATEMENTS FOR THE YEAR ENDED DECEMBER 31, 1998
</LEGEND>
<MULTIPLIER>                                  1,000
       
                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                              DEC-31-1998
<PERIOD-START>                                 JAN-01-1998
<PERIOD-END>                                   DEC-31-1998
<CASH>                                                 447
<INT-BEARING-DEPOSITS>                               1,904
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                            993
<INVESTMENTS-CARRYING>                               2,924
<INVESTMENTS-MARKET>                                 2,941
<LOANS>                                             34,152
<ALLOWANCE>                                            170
<TOTAL-ASSETS>                                      41,058
<DEPOSITS>                                          34,140
<SHORT-TERM>                                             0
<LIABILITIES-OTHER>                                    149
<LONG-TERM>                                          3,200
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                                 0
<OTHER-SE>                                           3,570
<TOTAL-LIABILITIES-AND-EQUITY>                      41,058
<INTEREST-LOAN>                                      2,270
<INTEREST-INVEST>                                      312   
<INTEREST-OTHER>                                       172   
<INTEREST-TOTAL>                                     2,754 
<INTEREST-DEPOSIT>                                   1,565 
<INTEREST-EXPENSE>                                   1,671 
<INTEREST-INCOME-NET>                                1,082 
<LOAN-LOSSES>                                           81    
<SECURITIES-GAINS>                                       0     
<EXPENSE-OTHER>                                        663   
<INCOME-PRETAX>                                        359   
<INCOME-PRE-EXTRAORDINARY>                             236   
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                           236
<EPS-PRIMARY>                                            0
<EPS-DILUTED>                                            0
<YIELD-ACTUAL>                                        2.97
<LOANS-NON>                                            202
<LOANS-PAST>                                             0
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                        241
<ALLOWANCE-OPEN>                                        89
<CHARGE-OFFS>                                            0
<RECOVERIES>                                             0
<ALLOWANCE-CLOSE>                                      170
<ALLOWANCE-DOMESTIC>                                   170
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                  0