<TABLE> <S> <C>

<ARTICLE>                                            9
<LEGEND>
This schedule contains summary financial information extracted from the
consolidated Balance Sheet as of December 31, 1998 and the consolidated
statement of income for the year ended December 31, 1998 for the Company and is
qualified in its entirety by reference to such financial statements.
</LEGEND>
       
<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               DEC-31-1998
<CASH>                                           6,081
<INT-BEARING-DEPOSITS>                              46
<FED-FUNDS-SOLD>                                 1,500
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     55,241
<INVESTMENTS-CARRYING>                             668
<INVESTMENTS-MARKET>                               669
<LOANS>                                        130,530
<ALLOWANCE>                                      2,023
<TOTAL-ASSETS>                                 199,743
<DEPOSITS>                                     164,128
<SHORT-TERM>                                    13,208
<LIABILITIES-OTHER>                              1,452
<LONG-TERM>                                        300
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                         20
<COMMON>                                         2,388
<OTHER-SE>                                      18,247
<TOTAL-LIABILITIES-AND-EQUITY>                 199,743
<INTEREST-LOAN>                                 11,655
<INTEREST-INVEST>                                2,728
<INTEREST-OTHER>                                   203
<INTEREST-TOTAL>                                14,586
<INTEREST-DEPOSIT>                               5,710
<INTEREST-EXPENSE>                               6,554
<INTEREST-INCOME-NET>                            8,032
<LOAN-LOSSES>                                      360
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  6,939
<INCOME-PRETAX>                                  2,944
<INCOME-PRE-EXTRAORDINARY>                       1,916
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,916
<EPS-PRIMARY>                                     0.96
<EPS-DILUTED>                                     0.78
<YIELD-ACTUAL>                                    4.66
<LOANS-NON>                                        148
<LOANS-PAST>                                         4
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,717
<CHARGE-OFFS>                                       78
<RECOVERIES>                                        24
<ALLOWANCE-CLOSE>                                2,023
<ALLOWANCE-DOMESTIC>                             1,500
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            523
        

</TABLE>