<TABLE> <S> <C>


<ARTICLE>                     9
<LEGEND>  
     THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL  INFORMATION  DERIVED FROM THE
ANNUAL  REPORT ON FORM 10-KSB AND IS  QUALIFIED  IN ITS ENTIRETY BY REFERENCE TO
SUCH FINANCIAL INFORMATION.
</LEGEND>

<MULTIPLIER>                                   1000
       
<S>                                            <C>
<PERIOD-TYPE>                                  year
<FISCAL-YEAR-END>                              Dec-31-1998
<PERIOD-END>                                   Dec-31-1998
<CASH>                                              923
<INT-BEARING-DEPOSITS>                           19,023
<FED-FUNDS-SOLD>                                      0
<TRADING-ASSETS>                                      0
<INVESTMENTS-HELD-FOR-SALE>                       2,968
<INVESTMENTS-CARRYING>                            5,539
<INVESTMENTS-MARKET>                              5,542
<LOANS>                                         160,402
<ALLOWANCE>                                         853
<TOTAL-ASSETS>                                  191,876
<DEPOSITS>                                      158,441
<SHORT-TERM>                                      5,000
<LIABILITIES-OTHER>                               2,543
<LONG-TERM>                                           0
<PREFERRED-MANDATORY>                                 0
<PREFERRED>                                           0
<COMMON>                                            219
<OTHER-SE>                                       25,673
<TOTAL-LIABILITIES-AND-EQUITY>                  191,876
<INTEREST-LOAN>                                  13,888
<INTEREST-INVEST>                                 1,002
<INTEREST-OTHER>                                      0
<INTEREST-TOTAL>                                 14,890
<INTEREST-DEPOSIT>                                7,339
<INTEREST-EXPENSE>                                  839
<INTEREST-INCOME-NET>                             6,712
<LOAN-LOSSES>                                       120
<SECURITIES-GAINS>                                    0
<EXPENSE-OTHER>                                   4,769
<INCOME-PRETAX>                                   4,228
<INCOME-PRE-EXTRAORDINARY>                        4,228
<EXTRAORDINARY>                                       0
<CHANGES>                                             0
<NET-INCOME>                                      2,476
<EPS-PRIMARY>                                      1.42
<EPS-DILUTED>                                      1.38
<YIELD-ACTUAL>                                     3.49
<LOANS-NON>                                         260
<LOANS-PAST>                                        360
<LOANS-TROUBLED>                                      0
<LOANS-PROBLEM>                                     356 
<ALLOWANCE-OPEN>                                    763
<CHARGE-OFFS>                                        46
<RECOVERIES>                                         16
<ALLOWANCE-CLOSE>                                   853
<ALLOWANCE-DOMESTIC>                                853
<ALLOWANCE-FOREIGN>                                   0
<ALLOWANCE-UNALLOCATED>                               0
        


</TABLE>