<ARTICLE>                                            9
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               SEP-30-1998
<CASH>                                         338,000
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                             3,581,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    520,000
<INVESTMENTS-CARRYING>                         520,000
<INVESTMENTS-MARKET>                           520,000
<LOANS>                                      6,161,000
<ALLOWANCE>                                    (70,000)
<TOTAL-ASSETS>                              11,970,000
<DEPOSITS>                                   9,060,000
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                            253,000
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         3,000
<OTHER-SE>                                   2,847,000
<TOTAL-LIABILITIES-AND-EQUITY>              11,970,000
<INTEREST-LOAN>                                455,000
<INTEREST-INVEST>                              137,000
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                               592,000
<INTEREST-DEPOSIT>                             276,000
<INTEREST-EXPENSE>                             276,000
<INTEREST-INCOME-NET>                          316,000
<LOAN-LOSSES>                                   22,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                462,000
<INCOME-PRETAX>                               (154,000)
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                  (154,000)
<EPS-PRIMARY>                                    (0.51)
<EPS-DILUTED>                                    (0.51)
<YIELD-ACTUAL>                                    4.21
<LOANS-NON>                                     74,000
<LOANS-PAST>                                   108,000
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                52,000
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                               74,000
<ALLOWANCE-DOMESTIC>                            74,000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0