<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
           THIS SCHEDULE CONTAINS SUMMARY FINANCIAL  INFORMATION  EXTRACTED FROM
THE CONSOLIDATED  FINANCIAL  STATEMENTS 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>                   12-MOS
<FISCAL-YEAR-END>                              DEC-31-1998
<PERIOD-START>                                 JAN-01-1998
<PERIOD-END>                                   DEC-31-1998
<CASH>                                           7,329
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 4,800
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     45,647
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         92,642
<ALLOWANCE>                                      1,564
<TOTAL-ASSETS>                                 164,400
<DEPOSITS>                                     149,544
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                999
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         7,584
<OTHER-SE>                                       6,273
<TOTAL-LIABILITIES-AND-EQUITY>                 164,400
<INTEREST-LOAN>                                  7,729
<INTEREST-INVEST>                                3,431
<INTEREST-OTHER>                                   348
<INTEREST-TOTAL>                                11,508
<INTEREST-DEPOSIT>                               4,028
<INTEREST-EXPENSE>                                   0
<INTEREST-INCOME-NET>                            7,480
<LOAN-LOSSES>                                      250
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  7,712
<INCOME-PRETAX>                                  1,396
<INCOME-PRE-EXTRAORDINARY>                       1,396
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,052
<EPS-PRIMARY>                                     0.78
<EPS-DILUTED>                                     0.74
<YIELD-ACTUAL>                                    5.59
<LOANS-NON>                                        248
<LOANS-PAST>                                       191
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,313
<CHARGE-OFFS>                                      132
<RECOVERIES>                                       133
<ALLOWANCE-CLOSE>                                1,564
<ALLOWANCE-DOMESTIC>                             1,564
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,184
        


</TABLE>