<TABLE> <S> <C>

<ARTICLE> 9
<MULTIPLIER> 1,000
       
<S>                             <C>                     <C>
<PERIOD-TYPE>                   12-MOS                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1998             DEC-31-1997
<PERIOD-END>                               DEC-31-1998             DEC-31-1997
<CASH>                                           1,413                   1,193
<INT-BEARING-DEPOSITS>                          33,543                  26,695
<FED-FUNDS-SOLD>                                     0                       0
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                      5,323                  10,287
<INVESTMENTS-CARRYING>                          38,975                  17,353
<INVESTMENTS-MARKET>                            38,981                  17,335
<LOANS>                                         79,818                  68,490
<ALLOWANCE>                                        304                     238
<TOTAL-ASSETS>                                 164,007                 129,338
<DEPOSITS>                                     128,161                 108,734
<SHORT-TERM>                                         0                       0
<LIABILITIES-OTHER>                              5,454                   5,606
<LONG-TERM>                                          0                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                             0                   1,195
<OTHER-SE>                                      30,393                  13,803
<TOTAL-LIABILITIES-AND-EQUITY>                  30,393                  14,998
<INTEREST-LOAN>                                  6,674                   5,540
<INTEREST-INVEST>                                1,528                   1,990
<INTEREST-OTHER>                                 1,895                   1,210
<INTEREST-TOTAL>                                10,097                   8,740
<INTEREST-DEPOSIT>                               5,065                   4,534
<INTEREST-EXPENSE>                               5,090                   4,564
<INTEREST-INCOME-NET>                            4,724                   4,116
<LOAN-LOSSES>                                      283                      60
<SECURITIES-GAINS>                                   0                       0
<EXPENSE-OTHER>                                  4,625                   4,134
<INCOME-PRETAX>                                  1,414                   1,053
<INCOME-PRE-EXTRAORDINARY>                       1,414                   1,053
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                       912                     708
<EPS-PRIMARY>                                     0.31                    0.61
<EPS-DILUTED>                                     0.31                    0.61
<YIELD-ACTUAL>                                    3.57                    3.58
<LOANS-NON>                                      1,609                   1,894
<LOANS-PAST>                                         0                     200
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                   238                     207
<CHARGE-OFFS>                                      270                      29
<RECOVERIES>                                        53                       0
<ALLOWANCE-CLOSE>                                  304                     238
<ALLOWANCE-DOMESTIC>                               304                     238
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0
        

</TABLE>