<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL   INFORMATION  EXTRACTED  FROM  THE
REGISTRANT'S  DECEMBER 31, 1998 UNAUDITED  STATEMENT OF CONDITION,  STATEMENT OF
OPERATION AND STATEMENT OF CASH FLOWS,  AND NOTES  THERETO,  AND IS QUALIFIED IN
ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER>                                   1,000
<CURRENCY>                                     U.S. Dollar
       
<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                              DEC-31-1998
<PERIOD-START>                                 JAN-01-1998
<PERIOD-END>                                   DEC-31-1998
<EXCHANGE-RATE>                                1
<CASH>                                         13,934
<INT-BEARING-DEPOSITS>                         13,730
<FED-FUNDS-SOLD>                               0
<TRADING-ASSETS>                               0
<INVESTMENTS-HELD-FOR-SALE>                    76,326
<INVESTMENTS-CARRYING>                         40,364
<INVESTMENTS-MARKET>                           40,769
<LOANS>                                        229,945
<ALLOWANCE>                                    3,839
<TOTAL-ASSETS>                                 380,481
<DEPOSITS>                                     311,623
<SHORT-TERM>                                   11,330
<LIABILITIES-OTHER>                            2,498
<LONG-TERM>                                    26,342
<PREFERRED-MANDATORY>                          27
<PREFERRED>                                    0
<COMMON>                                       0
<OTHER-SE>                                     28,661
<TOTAL-LIABILITIES-AND-EQUITY>                 380,481
<INTEREST-LOAN>                                17,952
<INTEREST-INVEST>                              5,810
<INTEREST-OTHER>                               428
<INTEREST-TOTAL>                               24,190
<INTEREST-DEPOSIT>                             8,178
<INTEREST-EXPENSE>                             10,120
<INTEREST-INCOME-NET>                          14,070
<LOAN-LOSSES>                                  371
<SECURITIES-GAINS>                             51
<EXPENSE-OTHER>                                11,282
<INCOME-PRETAX>                                5,135
<INCOME-PRE-EXTRAORDINARY>                     3,217
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   3,217
<EPS-PRIMARY>                                  1.22
<EPS-DILUTED>                                  1.15
<YIELD-ACTUAL>                                 7.35
<LOANS-NON>                                    2,694
<LOANS-PAST>                                   2
<LOANS-TROUBLED>                               0
<LOANS-PROBLEM>                                0
<ALLOWANCE-OPEN>                               3,537
<CHARGE-OFFS>                                  247
<RECOVERIES>                                   288
<ALLOWANCE-CLOSE>                              3,839
<ALLOWANCE-DOMESTIC>                           3,839
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        0

        


</TABLE>