<ARTICLE>                                            9
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                              DEC-31-1998
<PERIOD-START>                                 JAN-01-1998
<PERIOD-END>                                   JUN-30-1998
<CASH>                                              93,000
<INT-BEARING-DEPOSITS>                              15,000
<FED-FUNDS-SOLD>                                 2,945,000
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                        531,000
<INVESTMENTS-CARRYING>                             531,000
<INVESTMENTS-MARKET>                               531,000
<LOANS>                                          6,632,000
<ALLOWANCE>                                       (70,000)
<TOTAL-ASSETS>                                  11,385,000
<DEPOSITS>                                       8,392,000
<SHORT-TERM>                                             0
<LIABILITIES-OTHER>                                274,000
<LONG-TERM>                                              0
<PREFERRED-MANDATORY>                                    0
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<COMMON>                                             3,000
<OTHER-SE>                                       2,716,000
<TOTAL-LIABILITIES-AND-EQUITY>                  11,385,000
<INTEREST-LOAN>                                    311,000
<INTEREST-INVEST>                                   84,000
<INTEREST-OTHER>                                         0
<INTEREST-TOTAL>                                   395,000
<INTEREST-DEPOSIT>                                 180,000
<INTEREST-EXPENSE>                                 180,000
<INTEREST-INCOME-NET>                              215,000
<LOAN-LOSSES>                                       18,000
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                    296,000
<INCOME-PRETAX>                                   (92,000)
<INCOME-PRE-EXTRAORDINARY>                               0
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                      (92,000)
<EPS-PRIMARY>                                       (0.31)
<EPS-DILUTED>                                       (0.31)
<YIELD-ACTUAL>                                        4.41
<LOANS-NON>                                         41,000
<LOANS-PAST>                                       141,000
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                    52,000
<CHARGE-OFFS>                                            0
<RECOVERIES>                                             0
<ALLOWANCE-CLOSE>                                   70,000
<ALLOWANCE-DOMESTIC>                                70,000
<ALLOWANCE-FOREIGN>                                      0
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