<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET AND THE CONSOLIDATED STATEMENT OF INCOME FILED AS
PART OF THE ANNUAL REPORT ON FORM 10-K AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               DEC-31-1998
<CASH>                                           2,773
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 5,242
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     10,559
<INVESTMENTS-CARRYING>                           3,198
<INVESTMENTS-MARKET>                             3,328
<LOANS>                                         37,272
<ALLOWANCE>                                        360
<TOTAL-ASSETS>                                  60,740
<DEPOSITS>                                      56,069
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                480
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         1,262
<OTHER-SE>                                       2,929
<TOTAL-LIABILITIES-AND-EQUITY>                  60,740
<INTEREST-LOAN>                                  3,492
<INTEREST-INVEST>                                  621
<INTEREST-OTHER>                                    74
<INTEREST-TOTAL>                                 4,187
<INTEREST-DEPOSIT>                               1,887
<INTEREST-EXPENSE>                               1,890
<INTEREST-INCOME-NET>                            2,297
<LOAN-LOSSES>                                      230
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,766
<INCOME-PRETAX>                                    595
<INCOME-PRE-EXTRAORDINARY>                         425
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       425
<EPS-PRIMARY>                                     3.51
<EPS-DILUTED>                                     3.51
<YIELD-ACTUAL>                                    4.69
<LOANS-NON>                                        633
<LOANS-PAST>                                        73
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    178
<ALLOWANCE-OPEN>                                   311
<CHARGE-OFFS>                                      241
<RECOVERIES>                                        60
<ALLOWANCE-CLOSE>                                  360
<ALLOWANCE-DOMESTIC>                               360
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                             57
        

</TABLE>