<TABLE> <S> <C>
                                               
<ARTICLE>                                           9
<MULTIPLIER>                                        1,000
                                                     
<S>                                                 <C>
<PERIOD-TYPE>                                       YEAR
<FISCAL-YEAR-END>                                   DEC-31-1998
<PERIOD-START>                                      JAN-01-1998
<PERIOD-END>                                        DEC-31-1998
<CASH>                                                         7,811
<INT-BEARING-DEPOSITS>                                           156
<FED-FUNDS-SOLD>                                               4,011
<TRADING-ASSETS>                                                 157
<INVESTMENTS-HELD-FOR-SALE>                                   14,527
<INVESTMENTS-CARRYING>                                        11,206
<INVESTMENTS-MARKET>                                          11,436
<LOANS>                                                      119,786
<ALLOWANCE>                                                    1,984
<TOTAL-ASSETS>                                               171,902
<DEPOSITS>                                                   139,096
<SHORT-TERM>                                                       0
<LIABILITIES-OTHER>                                            2,184
<LONG-TERM>                                                      664
<PREFERRED-MANDATORY>                                              0
<PREFERRED>                                                      209
<COMMON>                                                          40
<OTHER-SE>                                                    14,522
<TOTAL-LIABILITIES-AND-EQUITY>                               171,902
<INTEREST-LOAN>                                               10,382
<INTEREST-INVEST>                                              1,537
<INTEREST-OTHER>                                                 740
<INTEREST-TOTAL>                                              12,659
<INTEREST-DEPOSIT>                                             4,864
<INTEREST-EXPENSE>                                             5,268
<INTEREST-INCOME-NET>                                          7,390
<LOAN-LOSSES>                                                    752
<SECURITIES-GAINS>                                                78
<EXPENSE-OTHER>                                                7,959
<INCOME-PRETAX>                                                2,768
<INCOME-PRE-EXTRAORDINARY>                                     2,768
<EXTRAORDINARY>                                                    0
<CHANGES>                                                          0
<NET-INCOME>                                                   1,757
<EPS-PRIMARY>                                                   0.49
<EPS-DILUTED>                                                   0.46
<YIELD-ACTUAL>                                                  5.33
<LOANS-NON>                                                    4,001
<LOANS-PAST>                                                     449
<LOANS-TROUBLED>                                                   0
<LOANS-PROBLEM>                                                    0
<ALLOWANCE-OPEN>                                               1,647
<CHARGE-OFFS>                                                    426
<RECOVERIES>                                                      11
<ALLOWANCE-CLOSE>                                              1,984
<ALLOWANCE-DOMESTIC>                                           1,984
<ALLOWANCE-FOREIGN>                                                0
<ALLOWANCE-UNALLOCATED>                                           14
                                                     

</TABLE>