<TABLE> <S> <C>

<ARTICLE>                                                                     9

       
<S>                                                                     <C>
<PERIOD-TYPE>                                                       12-MOS
<FISCAL-YEAR-END>                                                   DEC-31-1998
<PERIOD-END>                                                        DEC-31-1998
<CASH>                                                                2,459,000
<INT-BEARING-DEPOSITS>                                                1,442,000
<FED-FUNDS-SOLD>                                                              0
<TRADING-ASSETS>                                                              0
<INVESTMENTS-HELD-FOR-SALE>                                          28,352,000
<INVESTMENTS-CARRYING>                                                3,697,000
<INVESTMENTS-MARKET>                                                  3,702,000
<LOANS>                                                              80,579,000
<ALLOWANCE>                                                             920,000
<TOTAL-ASSETS>                                                      119,948,000
<DEPOSITS>                                                          104,309,000
<SHORT-TERM>                                                          1,000,000
<LIABILITIES-OTHER>                                                     776,000
<LONG-TERM>                                                              74,000
<PREFERRED-MANDATORY>                                                         0
<PREFERRED>                                                                   0
<COMMON>                                                                598,000
<OTHER-SE>                                                           13,191,000
<TOTAL-LIABILITIES-AND-EQUITY>                                      119,948,000
<INTEREST-LOAN>                                                       6,764,000
<INTEREST-INVEST>                                                     1,725,000
<INTEREST-OTHER>                                                              0
<INTEREST-TOTAL>                                                      8,489,000
<INTEREST-DEPOSIT>                                                    4,364,000
<INTEREST-EXPENSE>                                                    4,367,000
<INTEREST-INCOME-NET>                                                 4,122,000
<LOAN-LOSSES>                                                           280,000
<SECURITIES-GAINS>                                                            0
<EXPENSE-OTHER>                                                         355,000
<INCOME-PRETAX>                                                       1,937,000
<INCOME-PRE-EXTRAORDINARY>                                            1,937,000
<EXTRAORDINARY>                                                               0
<CHANGES>                                                                     0
<NET-INCOME>                                                          1,265,000
<EPS-PRIMARY>                                                              0.70
<EPS-DILUTED>                                                              0.69
<YIELD-ACTUAL>                                                             8.06
<LOANS-NON>                                                             668,000
<LOANS-PAST>                                                                  0
<LOANS-TROUBLED>                                                              0
<LOANS-PROBLEM>                                                         318,000
<ALLOWANCE-OPEN>                                                        770,000
<CHARGE-OFFS>                                                           146,000
<RECOVERIES>                                                             16,000
<ALLOWANCE-CLOSE>                                                       920,000
<ALLOWANCE-DOMESTIC>                                                    920,000
<ALLOWANCE-FOREIGN>                                                           0
<ALLOWANCE-UNALLOCATED>                                                       0
        

</TABLE>