<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
COMPANY'S CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED DECEMBER 31,
1998, AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS
INCLUDED AS PART OF EXHIBIT 13 TO THIS FORM 10-KSB.
</LEGEND>
       
<S>                             <C>
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               DEC-31-1998
<CASH>                                         976,682
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                             7,269,903
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  4,985,626
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                     33,254,808
<ALLOWANCE>                                    530,000
<TOTAL-ASSETS>                              50,066,944
<DEPOSITS>                                  44,118,960
<SHORT-TERM>                                   281,019
<LIABILITIES-OTHER>                            207,296
<LONG-TERM>                                  1,000,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        56,032
<OTHER-SE>                                   4,410,624
<TOTAL-LIABILITIES-AND-EQUITY>              50,066,944
<INTEREST-LOAN>                              3,063,126
<INTEREST-INVEST>                              159,044
<INTEREST-OTHER>                               304,474
<INTEREST-TOTAL>                             3,526,644
<INTEREST-DEPOSIT>                           1,831,543
<INTEREST-EXPENSE>                           1,880,792
<INTEREST-INCOME-NET>                        1,645,852
<LOAN-LOSSES>                                  224,281
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              1,512,198
<INCOME-PRETAX>                                 46,093
<INCOME-PRE-EXTRAORDINARY>                      46,093
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   444,044
<EPS-PRIMARY>                                      .79
<EPS-DILUTED>                                      .74
<YIELD-ACTUAL>                                    3.69
<LOANS-NON>                                  1,250,408
<LOANS-PAST>                                    25,022
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                645,656
<ALLOWANCE-OPEN>                               378,000
<CHARGE-OFFS>                                   97,781
<RECOVERIES>                                    25,500
<ALLOWANCE-CLOSE>                              530,000
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        530,000
        

</TABLE>