<TABLE> <S> <C>

<ARTICLE>       9
<LEGEND>
This  schedule  contains  summary  financial   information  extracted  from  the
Consolidated  Balance Sheet at December 31, 1998 and the Consolidated  Statement
of Income for the year ended December 31, 1998 and is qualified in its entirety
by reference to such financial statements.
</LEGEND>
<MULTIPLIER>                  1,000
       
<S>                           <C>
<PERIOD-TYPE>                 YEAR
<FISCAL-YEAR-END>                                                  DEC-31-1998
<PERIOD-END>                                                       DEC-31-1998
<CASH>                                                                   3,320
<INT-BEARING-DEPOSITS>                                                       0
<FED-FUNDS-SOLD>                                                        14,150
<TRADING-ASSETS>                                                             0
<INVESTMENTS-HELD-FOR-SALE>                                             38,284
<INVESTMENTS-CARRYING>                                                       0
<INVESTMENTS-MARKET>                                                         0
<LOANS>                                                                 67,893
<ALLOWANCE>                                                                955
<TOTAL-ASSETS>                                                         127,127
<DEPOSITS>                                                             112,496
<SHORT-TERM>                                                                 0
<LIABILITIES-OTHER>                                                      1,028
<LONG-TERM>                                                                  0
<PREFERRED-MANDATORY>                                                        0
<PREFERRED>                                                                  0
<COMMON>                                                                10,569
<OTHER-SE>                                                               3,034
<TOTAL-LIABILITIES-AND-EQUITY>                                         127,127
<INTEREST-LOAN>                                                          6,116
<INTEREST-INVEST>                                                        1,841
<INTEREST-OTHER>                                                           947
<INTEREST-TOTAL>                                                         8,904
<INTEREST-DEPOSIT>                                                       4,518
<INTEREST-EXPENSE>                                                       4,518
<INTEREST-INCOME-NET>                                                    4,386
<LOAN-LOSSES>                                                              213
<SECURITIES-GAINS>                                                           0
<EXPENSE-OTHER>                                                          2,155
<INCOME-PRETAX>                                                          2,592
<INCOME-PRE-EXTRAORDINARY>                                               1,664
<EXTRAORDINARY>                                                              0
<CHANGES>                                                                    0
<NET-INCOME>                                                             1,664
<EPS-PRIMARY>                                                              .94
<EPS-DILUTED>                                                              .88
<YIELD-ACTUAL>                                                            3.79
<LOANS-NON>                                                                366
<LOANS-PAST>                                                                10
<LOANS-TROUBLED>                                                             0
<LOANS-PROBLEM>                                                            541
<ALLOWANCE-OPEN>                                                           890
<CHARGE-OFFS>                                                              169
<RECOVERIES>                                                                21
<ALLOWANCE-CLOSE>                                                          955
<ALLOWANCE-DOMESTIC>                                                       955
<ALLOWANCE-FOREIGN>                                                          0
<ALLOWANCE-UNALLOCATED>                                                      0
        

</TABLE>