<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
THIS SCHEDULE  CONTAINS SUMMARY  FINANCIAL  INFORMATION  DERIVED FROM THE ANNUAL
REPORT ON FORM 10-KSB 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>                                           7,276   
<INT-BEARING-DEPOSITS>                             757
<FED-FUNDS-SOLD>                                 2,320
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     29,457
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        122,770
<ALLOWANCE>                                        943
<TOTAL-ASSETS>                                 169,860
<DEPOSITS>                                     154,977
<SHORT-TERM>                                     1,117
<LIABILITIES-OTHER>                              2,140
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            90
<OTHER-SE>                                      11,536
<TOTAL-LIABILITIES-AND-EQUITY>                 169,860 
<INTEREST-LOAN>                                 10,778
<INTEREST-INVEST>                                1,571
<INTEREST-OTHER>                                    88
<INTEREST-TOTAL>                                12,437
<INTEREST-DEPOSIT>                               6,564
<INTEREST-EXPENSE>                               6,800
<INTEREST-INCOME-NET>                            5,637
<LOAN-LOSSES>                                      275
<SECURITIES-GAINS>                                 387
<EXPENSE-OTHER>                                  5,380
<INCOME-PRETAX>                                    950 
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       619
<EPS-PRIMARY>                                      .74
<EPS-DILUTED>                                      .70
<YIELD-ACTUAL>                                    3.95
<LOANS-NON>                                        112
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    787
<ALLOWANCE-OPEN>                                   670
<CHARGE-OFFS>                                        3
<RECOVERIES>                                         1
<ALLOWANCE-CLOSE>                                  943
<ALLOWANCE-DOMESTIC>                               943
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        


</TABLE>