<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THE SCHEDULE  CONTAINS SUMMARY FINANCIAL  INFORMATION  EXTRACTED FROM THE ANNUAL
REPORT ON FORM  10-KSB  FOR THE  FISCAL  YEAR  ENDED  DECEMBER  31,  1998 AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER>                1000
       
<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                               Dec-31-1998
<PERIOD-END>                                    Dec-31-1998
<CASH>                                                  995
<INT-BEARING-DEPOSITS>                                6,904
<FED-FUNDS-SOLD>                                      9,225
<TRADING-ASSETS>                                          0
<INVESTMENTS-HELD-FOR-SALE>                          19,751
<INVESTMENTS-CARRYING>                               12,432
<INVESTMENTS-MARKET>                                 12,414
<LOANS>                                              36,916
<ALLOWANCE>                                             784
<TOTAL-ASSETS>                                       86,724
<DEPOSITS>                                           54,837
<SHORT-TERM>                                            300
<LIABILITIES-OTHER>                                   1,664
<LONG-TERM>                                               0
<COMMON>                                                 18
<PREFERRED-MANDATORY>                                     0
<PREFERRED>                                               0
<OTHER-SE>                                           29,905
<TOTAL-LIABILITIES-AND-EQUITY>                       86,724
<INTEREST-LOAN>                                       3,074
<INTEREST-INVEST>                                     1,730
<INTEREST-OTHER>                                        417
<INTEREST-TOTAL>                                      5,221
<INTEREST-DEPOSIT>                                    2,400
<INTEREST-EXPENSE>                                    2,435
<INTEREST-INCOME-NET>                                 2,786
<LOAN-LOSSES>                                          (103)
<SECURITIES-GAINS>                                      461
<EXPENSE-OTHER>                                       2,290
<INCOME-PRETAX>                                       1,086
<INCOME-PRE-EXTRAORDINARY>                              810
<EXTRAORDINARY>                                           0
<CHANGES>                                                 0
<NET-INCOME>                                            810
<EPS-PRIMARY>                                             0
<EPS-DILUTED>                                             0
<YIELD-ACTUAL>                                         6.89
<LOANS-NON>                                             648
<LOANS-PAST>                                            307
<LOANS-TROUBLED>                                          0
<LOANS-PROBLEM>                                       1,028
<ALLOWANCE-OPEN>                                        854
<CHARGE-OFFS>                                            21
<RECOVERIES>                                             54
<ALLOWANCE-CLOSE>                                       784
<ALLOWANCE-DOMESTIC>                                    297
<ALLOWANCE-FOREIGN>                                       0
<ALLOWANCE-UNALLOCATED>                                 487
        

</TABLE>