<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND> 
      The Schedule  contains Summary  Financial  information  extracted from the
Annul Report on Form 10-K SB for The Fiscal Year Ended  December 31, 1998 and is
qualified in its entirety by reference to such financial statements.
</LEGEND>
       
<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>                                           1,712                   1,876
<INT-BEARING-DEPOSITS>                               0                       0
<FED-FUNDS-SOLD>                                 2,100                     300
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                     16,954                   4,067
<INVESTMENTS-CARRYING>                          11,661                  28,979
<INVESTMENTS-MARKET>                            11,758                  29,095
<LOANS>                                        141,163                 134,564
<ALLOWANCE>                                        953                     778
<TOTAL-ASSETS>                                 178,167                 174,428
<DEPOSITS>                                     150,578                 150,469
<SHORT-TERM>                                         0                       0
<LIABILITIES-OTHER>                              3,279                   2,528
<LONG-TERM>                                        700                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                            15                      15
<OTHER-SE>                                      23,595                  21,416
<TOTAL-LIABILITIES-AND-EQUITY>                 178,167                 174,428
<INTEREST-LOAN>                                 10,693                   9,757
<INTEREST-INVEST>                                1,747                   2,371
<INTEREST-OTHER>                                   311                     240
<INTEREST-TOTAL>                                12,751                  12,368
<INTEREST-DEPOSIT>                               6,895                   6,623
<INTEREST-EXPENSE>                               6,902                   6,623
<INTEREST-INCOME-NET>                            5,849                   5,745
<LOAN-LOSSES>                                      120                     120
<SECURITIES-GAINS>                                   0                      56
<EXPENSE-OTHER>                                  4,638                   4,288
<INCOME-PRETAX>                                  3,553                   1,760
<INCOME-PRE-EXTRAORDINARY>                       3,553                   1,760
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     2,115                   1,068
<EPS-PRIMARY>                                     1.94                     .96
<EPS-DILUTED>                                     1.83                     .93
<YIELD-ACTUAL>                                    3.40                    3.46
<LOANS-NON>                                        725                   1,328
<LOANS-PAST>                                       135                      19
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                   778                     642
<CHARGE-OFFS>                                       45                      26
<RECOVERIES>                                       100                      42
<ALLOWANCE-CLOSE>                                  953                     778
<ALLOWANCE-DOMESTIC>                               441                     477
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                            512                     301
        

</TABLE>