<TABLE> <S> <C>


<ARTICLE>                                            9
<MULTIPLIER>                                         1
       
<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                              DEC-31-1998
<PERIOD-END>                                   DEC-31-1998
<CASH>                                              8,161,096  
<INT-BEARING-DEPOSITS>                              3,230,874  
<FED-FUNDS-SOLD>                                    1,421,000  
<TRADING-ASSETS>                                            0  
<INVESTMENTS-HELD-FOR-SALE>                        44,939,676  
<INVESTMENTS-CARRYING>                             12,846,473  
<INVESTMENTS-MARKET>                               13,219,239  
<LOANS>                                           125,995,295  
<ALLOWANCE>                                         1,063,558  
<TOTAL-ASSETS>                                    205,403,107  
<DEPOSITS>                                        172,679,989  
<SHORT-TERM>                                        3,530,057  
<LIABILITIES-OTHER>                                 1,329,987  
<LONG-TERM>                                         5,000,000  
<PREFERRED-MANDATORY>                                       0  
<PREFERRED>                                                 0  
<COMMON>                                            8,894,970  
<OTHER-SE>                                         13,968,104  
<TOTAL-LIABILITIES-AND-EQUITY>                    205,403,107  
<INTEREST-LOAN>                                    10,204,989  
<INTEREST-INVEST>                                   3,272,225  
<INTEREST-OTHER>                                      307,834  
<INTEREST-TOTAL>                                   13,785,048  
<INTEREST-DEPOSIT>                                  4,903,216  
<INTEREST-EXPENSE>                                  5,313,420  
<INTEREST-INCOME-NET>                               8,471,628  
<LOAN-LOSSES>                                         135,000  
<SECURITIES-GAINS>                                          0  
<EXPENSE-OTHER>                                     6,673,976  
<INCOME-PRETAX>                                     3,831,455  
<INCOME-PRE-EXTRAORDINARY>                          3,831,455  
<EXTRAORDINARY>                                             0  
<CHANGES>                                                   0  
<NET-INCOME>                                        2,974,654  
<EPS-PRIMARY>                                            1.65  
<EPS-DILUTED>                                            1.63  
<YIELD-ACTUAL>                                           4.73  
<LOANS-NON>                                           409,412  
<LOANS-PAST>                                                0  
<LOANS-TROUBLED>                                            0  
<LOANS-PROBLEM>                                       430,561  
<ALLOWANCE-OPEN>                                      974,360  
<CHARGE-OFFS>                                          86,219  
<RECOVERIES>                                           40,417  
<ALLOWANCE-CLOSE>                                   1,063,558  
<ALLOWANCE-DOMESTIC>                                1,063,558  
<ALLOWANCE-FOREIGN>                                         0  
<ALLOWANCE-UNALLOCATED>                               701,525  
                                                               
                                               

</TABLE>