<TABLE> <S> <C>


<ARTICLE>                                            9

<LEGEND>
     THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL  INFORMATION  DERIVED FROM THE
ANNUAL REPORT ON FORM 10-K AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL INFORMATION.
</LEGEND>

<MULTIPLIER>                                   1000
       
<S>                                            <C>
<PERIOD-TYPE>                                  12-MOS
<FISCAL-YEAR-END>                              DEC-31-1998
<PERIOD-END>                                   DEC-31-1998
<CASH>                                            5,780 
<INT-BEARING-DEPOSITS>                              613
<FED-FUNDS-SOLD>                                 27,000
<TRADING-ASSETS>                                      0
<INVESTMENTS-HELD-FOR-SALE>                      53,394
<INVESTMENTS-CARRYING>                          101,951
<INVESTMENTS-MARKET>                            101,665
<LOANS>                                         150,391
<ALLOWANCE>                                       1,329
<TOTAL-ASSETS>                                  350,617
<DEPOSITS>                                      243,048
<SHORT-TERM>                                     18,500
<LIABILITIES-OTHER>                               1,623
<LONG-TERM>                                      50,000
<PREFERRED-MANDATORY>                                 0
<PREFERRED>                                           0
<COMMON>                                            304
<OTHER-SE>                                       37,141
<TOTAL-LIABILITIES-AND-EQUITY>                  350,617
<INTEREST-LOAN>                                  11,381 
<INTEREST-INVEST>                                11,365
<INTEREST-OTHER>                                      0
<INTEREST-TOTAL>                                 22,746
<INTEREST-DEPOSIT>                               10,504
<INTEREST-EXPENSE>                               14,695
<INTEREST-INCOME-NET>                             8,051
<LOAN-LOSSES>                                       161
<SECURITIES-GAINS>                                   47
<EXPENSE-OTHER>                                   5,702
<INCOME-PRETAX>                                   2,592
<INCOME-PRE-EXTRAORDINARY>                        1,748
<EXTRAORDINARY>                                       0
<CHANGES>                                             0
<NET-INCOME>                                      1,748
<EPS-PRIMARY>                                      0.79
<EPS-DILUTED>                                      0.76
<YIELD-ACTUAL>                                     2.42
<LOANS-NON>                                       1,003
<LOANS-PAST>                                          0
<LOANS-TROUBLED>                                      0
<LOANS-PROBLEM>                                   3,218
<ALLOWANCE-OPEN>                                  1,329
<CHARGE-OFFS>                                         0
<RECOVERIES>                                          0
<ALLOWANCE-CLOSE>                                 1,329
<ALLOWANCE-DOMESTIC>                              1,329
<ALLOWANCE-FOREIGN>                                   0
<ALLOWANCE-UNALLOCATED>                           1,329
        


</TABLE>