<ARTICLE>                                            9
<LEGEND>
     This schedule contains summary financial information extracted from the
Form 10-QSB and is qualified in its entirety by reference to the unaudited
financial statements contained therein.
</LEGEND>
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               JUN-30-1998
<CASH>                                             396
<INT-BEARING-DEPOSITS>                           2,835
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      5,526
<INVESTMENTS-CARRYING>                           5,973
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         38,078
<ALLOWANCE>                                         59
<TOTAL-ASSETS>                                  54,589
<DEPOSITS>                                      33,078
<SHORT-TERM>                                       442
<LIABILITIES-OTHER>                                312
<LONG-TERM>                                     13,736
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                       7,021
<TOTAL-LIABILITIES-AND-EQUITY>                  54,589
<INTEREST-LOAN>                                  1,496
<INTEREST-INVEST>                                  416
<INTEREST-OTHER>                                    27
<INTEREST-TOTAL>                                 1,939
<INTEREST-DEPOSIT>                                 752
<INTEREST-EXPENSE>                               1,169
<INTEREST-INCOME-NET>                              770
<LOAN-LOSSES>                                        5
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                    711
<INCOME-PRETAX>                                    178
<INCOME-PRE-EXTRAORDINARY>                         178
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       118
<EPS-PRIMARY>                                      .30
<EPS-DILUTED>                                      .30
<YIELD-ACTUAL>                                    7.38
<LOANS-NON>                                        126
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                    66
<CHARGE-OFFS>                                       14
<RECOVERIES>                                         2
<ALLOWANCE-CLOSE>                                   59
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                             59