WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.

<TABLE> <S> <C>

<ARTICLE>       9
<MULTIPLIER>    1,000
       
<S>                                        <C>                     <C>
<PERIOD-TYPE>                              3-MOS                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1998             DEC-31-1998
<PERIOD-END>                               DEC-31-1998             DEC-31-1998
<CASH>                                     N/A                           6,422
<INT-BEARING-DEPOSITS>                     N/A                              42
<FED-FUNDS-SOLD>                           N/A                          13,900
<TRADING-ASSETS>                           N/A                               0
<INVESTMENTS-HELD-FOR-SALE>                N/A                          89,157
<INVESTMENTS-CARRYING>                     N/A                          17,397
<INVESTMENTS-MARKET>                       N/A                          18,125
<LOANS>                                    N/A                         121,837
<ALLOWANCE>                                N/A                           1,580
<TOTAL-ASSETS>                             N/A                         255,568
<DEPOSITS>                                 N/A                         206,386
<SHORT-TERM>                               N/A                          12,844
<LIABILITIES-OTHER>                        N/A                             827
<LONG-TERM>                                N/A                           4,000
<PREFERRED-MANDATORY>                      N/A                               0
<PREFERRED>                                N/A                               0
<COMMON>                                   N/A                           4,000
<OTHER-SE>                                 N/A                          27,511
<TOTAL-LIABILITIES-AND-EQUITY>             N/A                         255,568
<INTEREST-LOAN>                            2,587                        10,598
<INTEREST-INVEST>                          1,553                         5,603
<INTEREST-OTHER>                             171                           642
<INTEREST-TOTAL>                           4,311                        16,843
<INTEREST-DEPOSIT>                         1,850                         7,347
<INTEREST-EXPENSE>                         2,041                         7,917
<INTEREST-INCOME-NET>                      2,270                         8,926
<LOAN-LOSSES>                                 40                           220
<SECURITIES-GAINS>                           116                           116
<EXPENSE-OTHER>                            1,339                         5,224
<INCOME-PRETAX>                            1,257                         4,603
<INCOME-PRE-EXTRAORDINARY>                   863                         3,222
<EXTRAORDINARY>                                0                             0
<CHANGES>                                      0                             0
<NET-INCOME>                                 863                         3,222
<EPS-PRIMARY>                               0.54                          2.01
<EPS-DILUTED>                               0.54                          2.01
<YIELD-ACTUAL>                             N/A                            3.98
<LOANS-NON>                                N/A                             280
<LOANS-PAST>                               N/A                             249
<LOANS-TROUBLED>                           N/A                               0
<LOANS-PROBLEM>                            N/A                               0
<ALLOWANCE-OPEN>                           N/A                           1,492
<CHARGE-OFFS>                              N/A                             149
<RECOVERIES>                               N/A                              17
<ALLOWANCE-CLOSE>                          N/A                           1,580
<ALLOWANCE-DOMESTIC>                       N/A                           1,230
<ALLOWANCE-FOREIGN>                        N/A                               0
<ALLOWANCE-UNALLOCATED>                    N/A                             350
        


</TABLE>