<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>                                                                                                                  1,727
<INT-BEARING-DEPOSITS>                                                                                                    320
<FED-FUNDS-SOLD>                                                                                                        8,070
<TRADING-ASSETS>                                                                                                            0
<INVESTMENTS-HELD-FOR-SALE>                                                                                            16,300
<INVESTMENTS-CARRYING>                                                                                                      0
<INVESTMENTS-MARKET>                                                                                                        0
<LOANS>                                                                                                                29,115
<ALLOWANCE>                                                                                                               265
<TOTAL-ASSETS>                                                                                                         56,921
<DEPOSITS>                                                                                                             45,607
<SHORT-TERM>                                                                                                                0
<LIABILITIES-OTHER>                                                                                                       393
<LONG-TERM>                                                                                                             4,000
<PREFERRED-MANDATORY>                                                                                                       0
<PREFERRED>                                                                                                                 0
<COMMON>                                                                                                                   10
<OTHER-SE>                                                                                                              6,912
<TOTAL-LIABILITIES-AND-EQUITY>                                                                                         56,921
<INTEREST-LOAN>                                                                                                         3,049
<INTEREST-INVEST>                                                                                                         947
<INTEREST-OTHER>                                                                                                          306
<INTEREST-TOTAL>                                                                                                        4,302
<INTEREST-DEPOSIT>                                                                                                      1,584
<INTEREST-EXPENSE>                                                                                                      1,815
<INTEREST-INCOME-NET>                                                                                                   2,487
<LOAN-LOSSES>                                                                                                               0
<SECURITIES-GAINS>                                                                                                          0
<EXPENSE-OTHER>                                                                                                         1,508
<INCOME-PRETAX>                                                                                                         1,390
<INCOME-PRE-EXTRAORDINARY>                                                                                                931
<EXTRAORDINARY>                                                                                                             0
<CHANGES>                                                                                                                   0
<NET-INCOME>                                                                                                              931
<EPS-PRIMARY>                                                                                                             .92
<EPS-DILUTED>                                                                                                             .92
<YIELD-ACTUAL>                                                                                                           4.99
<LOANS-NON>                                                                                                                 0
<LOANS-PAST>                                                                                                                1
<LOANS-TROUBLED>                                                                                                            0
<LOANS-PROBLEM>                                                                                                            34
<ALLOWANCE-OPEN>                                                                                                          272
<CHARGE-OFFS>                                                                                                               9
<RECOVERIES>                                                                                                                2
<ALLOWANCE-CLOSE>                                                                                                         265
<ALLOWANCE-DOMESTIC>                                                                                                      265
<ALLOWANCE-FOREIGN>                                                                                                         0
<ALLOWANCE-UNALLOCATED>                                                                                                     0
        

</TABLE>