<TABLE> <S> <C>

<ARTICLE>                    9
<MULTIPLIER>                 1,000 
       
<S>                          <C>
<PERIOD-TYPE>                12-MOS
<FISCAL-YEAR-END>                                        DEC-31-1998
<PERIOD-START>                                           JAN-01-1998
<PERIOD-END>                                             DEC-31-1998
<CASH>                                                         3,940
<INT-BEARING-DEPOSITS>                                             9
<FED-FUNDS-SOLD>                                               9,200
<TRADING-ASSETS>                                                   0
<INVESTMENTS-HELD-FOR-SALE>                                    4,675
<INVESTMENTS-CARRYING>                                         1,307
<INVESTMENTS-MARKET>                                           1,273
<LOANS>                                                       61,300
<ALLOWANCE>                                                      461
<TOTAL-ASSETS>                                                84,051
<DEPOSITS>                                                    76,703
<SHORT-TERM>                                                       0
<LIABILITIES-OTHER>                                              604
<LONG-TERM>                                                      297
<PREFERRED-MANDATORY>                                              0
<PREFERRED>                                                        0
<COMMON>                                                       3,007
<OTHER-SE>                                                     3,440
<TOTAL-LIABILITIES-AND-EQUITY>                                84,051
<INTEREST-LOAN>                                                5,775
<INTEREST-INVEST>                                                432
<INTEREST-OTHER>                                                 245
<INTEREST-TOTAL>                                               6,452
<INTEREST-DEPOSIT>                                             2,885
<INTEREST-EXPENSE>                                             2,941
<INTEREST-INCOME-NET>                                          3,511
<LOAN-LOSSES>                                                    23
<SECURITIES-GAINS>                                                 3
<EXPENSE-OTHER>                                                3,007
<INCOME-PRETAX>                                                  902
<INCOME-PRE-EXTRAORDINARY>                                       902
<EXTRAORDINARY>                                                    0
<CHANGES>                                                          0
<NET-INCOME>                                                     564
<EPS-PRIMARY>                                                   0.59
<EPS-DILUTED>                                                   0.48
<YIELD-ACTUAL>                                                  4.92
<LOANS-NON>                                                      141
<LOANS-PAST>                                                     359
<LOANS-TROUBLED>                                                 685
<LOANS-PROBLEM>                                                    0
<ALLOWANCE-OPEN>                                                 461
<CHARGE-OFFS>                                                     45
<RECOVERIES>                                                      52
<ALLOWANCE-CLOSE>                                                461
<ALLOWANCE-DOMESTIC>                                             461
<ALLOWANCE-FOREIGN>                                                0
<ALLOWANCE-UNALLOCATED>                                            0
        

</TABLE>