<TABLE> <S> <C>
                                               
<ARTICLE>                                           9
                                                     
                                                     
<S>                                                 <C>
<PERIOD-TYPE>                                       12-MOS
<FISCAL-YEAR-END>                                   DEC-31-1998

<PERIOD-END>                                        DEC-31-1998

<CASH>                                                      11,781,814
<INT-BEARING-DEPOSITS>                                               0
<FED-FUNDS-SOLD>                                            29,524,045
<TRADING-ASSETS>                                                     0
<INVESTMENTS-HELD-FOR-SALE>                                 80,280,723
<INVESTMENTS-CARRYING>                                      13,925,750
<INVESTMENTS-MARKET>                                        14,173,261
<LOANS>                                                    210,157,615
<ALLOWANCE>                                                  2,424,260
<TOTAL-ASSETS>                                             360,303,321
<DEPOSITS>                                                 312,309,969
<SHORT-TERM>                                                 1,589,387
<LIABILITIES-OTHER>                                          3,274,908
<LONG-TERM>                                                          0
<PREFERRED-MANDATORY>                                                0
<PREFERRED>                                                          0
<COMMON>                                                    20,844,705
<OTHER-SE>                                                  22,284,352
<TOTAL-LIABILITIES-AND-EQUITY>                             360,303,321
<INTEREST-LOAN>                                             19,847,465
<INTEREST-INVEST>                                            5,419,283
<INTEREST-OTHER>                                               996,657
<INTEREST-TOTAL>                                            26,263,405
<INTEREST-DEPOSIT>                                          11,318,748
<INTEREST-EXPENSE>                                          11,372,038
<INTEREST-INCOME-NET>                                       14,891,367
<LOAN-LOSSES>                                                  477,000
<SECURITIES-GAINS>                                               8,035
<EXPENSE-OTHER>                                             11,386,672
<INCOME-PRETAX>                                              5,109,797
<INCOME-PRE-EXTRAORDINARY>                                   5,109,797
<EXTRAORDINARY>                                                      0
<CHANGES>                                                            0
<NET-INCOME>                                                 3,662,118
<EPS-PRIMARY>                                                     0.88
<EPS-DILUTED>                                                     0.86
<YIELD-ACTUAL>                                                    5.04
<LOANS-NON>                                                    681,662
<LOANS-PAST>                                                   559,000
<LOANS-TROUBLED>                                                     0
<LOANS-PROBLEM>                                                      0
<ALLOWANCE-OPEN>                                             2,430,143
<CHARGE-OFFS>                                                  592,751
<RECOVERIES>                                                   109,868
<ALLOWANCE-CLOSE>                                            2,424,260
<ALLOWANCE-DOMESTIC>                                                 0
<ALLOWANCE-FOREIGN>                                                  0
<ALLOWANCE-UNALLOCATED>                                      2,424,260
                                                     

</TABLE>