<TABLE> <S> <C>


<ARTICLE>                                            9
<MULTIPLIER>                                         1,000
       
<S>                             <C>
<PERIOD-TYPE>                                              12-MOS
<FISCAL-YEAR-END>                                     DEC-31-1998
<PERIOD-START>                                        JAN-01-1998
<PERIOD-END>                                          DEC-31-1998
<CASH>                                                     13,091
<INT-BEARING-DEPOSITS>                                          1
<FED-FUNDS-SOLD>                                           18,150
<TRADING-ASSETS>                                                0
<INVESTMENTS-HELD-FOR-SALE>                                13,627
<INVESTMENTS-CARRYING>                                     33,936
<INVESTMENTS-MARKET>                                       34,421
<LOANS>                                                   149,386
<ALLOWANCE>                                                 1,178
<TOTAL-ASSETS>                                            237,156
<DEPOSITS>                                                217,177
<SHORT-TERM>                                                    0
<LIABILITIES-OTHER>                                         2,450
<LONG-TERM>                                                     0
<PREFERRED-MANDATORY>                                           0
<PREFERRED>                                                     0
<COMMON>                                                    6,482
<OTHER-SE>                                                 11,047
<TOTAL-LIABILITIES-AND-EQUITY>                            237,156
<INTEREST-LOAN>                                            12,934
<INTEREST-INVEST>                                           2,595
<INTEREST-OTHER>                                              416
<INTEREST-TOTAL>                                           15,945
<INTEREST-DEPOSIT>                                          6,185
<INTEREST-EXPENSE>                                             17
<INTEREST-INCOME-NET>                                       9,743
<LOAN-LOSSES>                                                (123)
<SECURITIES-GAINS>                                             83
<EXPENSE-OTHER>                                             7,618
<INCOME-PRETAX>                                             3,000
<INCOME-PRE-EXTRAORDINARY>                                  3,000
<EXTRAORDINARY>                                                 0
<CHANGES>                                                       0
<NET-INCOME>                                                2,061
<EPS-PRIMARY>                                                1.07
<EPS-DILUTED>                                                1.04
<YIELD-ACTUAL>                                               4.70
<LOANS-NON>                                                 1,137
<LOANS-PAST>                                                  151
<LOANS-TROUBLED>                                                0
<LOANS-PROBLEM>                                             1,275
<ALLOWANCE-OPEN>                                            1,309
<CHARGE-OFFS>                                                  52
<RECOVERIES>                                                   44
<ALLOWANCE-CLOSE>                                           1,178
<ALLOWANCE-DOMESTIC>                                        1,178
<ALLOWANCE-FOREIGN>                                             0
<ALLOWANCE-UNALLOCATED>                                       916
        



</TABLE>