<TABLE> <S> <C>


<ARTICLE> 9
       
<S>                             <C>                     <C>
<PERIOD-TYPE>                   YEAR                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1998             DEC-31-1997
<PERIOD-END>                               DEC-31-1998             DEC-31-1997
<CASH>                                           20467                   13260
<INT-BEARING-DEPOSITS>                              25                      40
<FED-FUNDS-SOLD>                                  1500                       0
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                      32254                   32694
<INVESTMENTS-CARRYING>                           31712                   29666
<INVESTMENTS-MARKET>                             31580                   29638
<LOANS>                                          71440                   56947
<ALLOWANCE>                                       1415                     825
<TOTAL-ASSETS>                                  164901                  138868
<DEPOSITS>                                      137943                  119717
<SHORT-TERM>                                        18                    4213
<LIABILITIES-OTHER>                               1068                    1157
<LONG-TERM>                                      15749                    3749
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                       1547                    1547
<COMMON>                                          1188                    1150
<OTHER-SE>                                        7380                    7398
<TOTAL-LIABILITIES-AND-EQUITY>                  164901                  138868
<INTEREST-LOAN>                                   5282                    5247
<INTEREST-INVEST>                                 3616                    3843
<INTEREST-OTHER>                                   657                     481
<INTEREST-TOTAL>                                  9555                    9571
<INTEREST-DEPOSIT>                                3775                    3927
<INTEREST-EXPENSE>                                 123                     403
<INTEREST-INCOME-NET>                             3941                    5241
<LOAN-LOSSES>                                     1016                     159
<SECURITIES-GAINS>                                (13)                      18
<EXPENSE-OTHER>                                   4999                    4630
<INCOME-PRETAX>                                    239                    1651
<INCOME-PRE-EXTRAORDINARY>                         239                    1651
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                       226                    1449
<EPS-PRIMARY>                                     1.25                    8.98
<EPS-DILUTED>                                     1.22                    8.11
<YIELD-ACTUAL>                                    3.82                    4.38
<LOANS-NON>                                       1455                    1277
<LOANS-PAST>                                       341                      76
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                   825                     750
<CHARGE-OFFS>                                      579                     158
<RECOVERIES>                                       153                      73
<ALLOWANCE-CLOSE>                                 1415                     825
<ALLOWANCE-DOMESTIC>                              1415                     825
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              2                      83
        


</TABLE>