<TABLE> <S> <C>

<ARTICLE>                     9

<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL  INFORMATION  EXTRACTED 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>                                  12-MOS
<FISCAL-YEAR-END>                              DEC-31-1998
<PERIOD-END>                                   DEC-31-1998
<CASH>                                               1,784
<INT-BEARING-DEPOSITS>                                 490
<FED-FUNDS-SOLD>                                    41,200
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                        105,311
<INVESTMENTS-CARRYING>                             117,942
<INVESTMENTS-MARKET>                               118,094
<LOANS>                                            108,158
<ALLOWANCE>                                            822
<TOTAL-ASSETS>                                     274,733
<DEPOSITS>                                         205,529
<SHORT-TERM>                                             0
<LIABILITIES-OTHER>                                  1,416
<LONG-TERM>                                         32,557
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                                 0
<OTHER-SE>                                          17,422
<TOTAL-LIABILITIES-AND-EQUITY>                     274,733
<INTEREST-LOAN>                                      8,312
<INTEREST-INVEST>                                    6,908
<INTEREST-OTHER>                                     1,124
<INTEREST-TOTAL>                                    16,344
<INTEREST-DEPOSIT>                                   9,764
<INTEREST-EXPENSE>                                  11,099
<INTEREST-INCOME-NET>                                5,245
<LOAN-LOSSES>                                          204
<SECURITIES-GAINS>                                      24
<EXPENSE-OTHER>                                      4,241
<INCOME-PRETAX>                                        999
<INCOME-PRE-EXTRAORDINARY>                               0
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                           727
<EPS-PRIMARY>                                            0
<EPS-DILUTED>                                            0
<YIELD-ACTUAL>                                        2.29
<LOANS-NON>                                            695
<LOANS-PAST>                                             0
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                       618
<CHARGE-OFFS>                                            0
<RECOVERIES>                                             0
<ALLOWANCE-CLOSE>                                      822
<ALLOWANCE-DOMESTIC>                                   822
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                  0
        


</TABLE>