<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
THIS SCHEDULE  CONTAINS SUMMARY  FINANCIAL  INFORMATION  DERIVED FROM THE ANNUAL
REPORT  ON FORM 10-K AND IS  QUALIFIED  IN ITS  ENTIRETY  BY  REFERENCE  TO SUCH
FINANCIAL INFORMATION.
</LEGEND>

<MULTIPLIER>                                   1000
       
<S>                                            <C>
<PERIOD-TYPE>                                  12-MOS
<FISCAL-YEAR-END>                              DEC-31-1998
<PERIOD-END>                                   DEC-31-1998
<CASH>                                            1,143
<INT-BEARING-DEPOSITS>                            7,000
<FED-FUNDS-SOLD>                                      0 
<TRADING-ASSETS>                                      0 
<INVESTMENTS-HELD-FOR-SALE>                      27,282
<INVESTMENTS-CARRYING>                           62,024  
<INVESTMENTS-MARKET>                             62,164
<LOANS>                                          41,069
<ALLOWANCE>                                         206
<TOTAL-ASSETS>                                  107,216
<DEPOSITS>                                       84,436
<SHORT-TERM>                                        650
<LIABILITIES-OTHER>                                 690
<LONG-TERM>                                           0
<PREFERRED-MANDATORY>                                 0
<PREFERRED>                                           0
<COMMON>                                            155
<OTHER-SE>                                       21,285
<TOTAL-LIABILITIES-AND-EQUITY>                  107,216
<INTEREST-LOAN>                                   3,528
<INTEREST-INVEST>                                 2,829
<INTEREST-OTHER>                                    437
<INTEREST-TOTAL>                                  6,794
<INTEREST-DEPOSIT>                                3,746
<INTEREST-EXPENSE>                                3,798
<INTEREST-INCOME-NET>                             2,996
<LOAN-LOSSES>                                        30
<SECURITIES-GAINS>                                    3
<EXPENSE-OTHER>                                   2,585
<INCOME-PRETAX>                                   1,192
<INCOME-PRE-EXTRAORDINARY>                          720
<EXTRAORDINARY>                                       0
<CHANGES>                                             0
<NET-INCOME>                                        720
<EPS-PRIMARY>                                       .50 
<EPS-DILUTED>                                       .50
<YIELD-ACTUAL>                                     3.09
<LOANS-NON>                                           5
<LOANS-PAST>                                         82
<LOANS-TROUBLED>                                     71
<LOANS-PROBLEM>                                      23
<ALLOWANCE-OPEN>                                    179
<CHARGE-OFFS>                                         5
<RECOVERIES>                                          2
<ALLOWANCE-CLOSE>                                   206
<ALLOWANCE-DOMESTIC>                                  4
<ALLOWANCE-FOREIGN>                                   0
<ALLOWANCE-UNALLOCATED>                             202
        


</TABLE>