<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
     THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM 1998
ANNUAL REPORT AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>
<MULTIPLIER>                                             1
<CURRENCY>                                             US$
       
<S>                             <C>
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                              DEC-31-1998
<PERIOD-START>                                 JAN-01-1998
<PERIOD-END>                                   DEC-31-1998
<EXCHANGE-RATE>                                          1
<CASH>                                           3,854,793
<INT-BEARING-DEPOSITS>                                   0
<FED-FUNDS-SOLD>                                10,284,419
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                     15,190,949
<INVESTMENTS-CARRYING>                          15,190,949
<INVESTMENTS-MARKET>                            15,190,949
<LOANS>                                         86,924,416
<ALLOWANCE>                                      1,177,437
<TOTAL-ASSETS>                                 120,456,915
<DEPOSITS>                                     100,742,243
<SHORT-TERM>                                     7,143,980
<LIABILITIES-OTHER>                                449,726
<LONG-TERM>                                              0
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                            23,135
<OTHER-SE>                                      12,067,508
<TOTAL-LIABILITIES-AND-EQUITY>                 120,456,915
<INTEREST-LOAN>                                  7,655,050
<INTEREST-INVEST>                                  963,154
<INTEREST-OTHER>                                 1,194,758
<INTEREST-TOTAL>                                 9,812,962
<INTEREST-DEPOSIT>                               3,520,981
<INTEREST-EXPENSE>                               3,889,590
<INTEREST-INCOME-NET>                            5,923,372
<LOAN-LOSSES>                                      300,000
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                  4,965,903
<INCOME-PRETAX>                                  1,524,773
<INCOME-PRE-EXTRAORDINARY>                       1,524,773
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                     1,002,844
<EPS-PRIMARY>                                         0.43
<EPS-DILUTED>                                         0.43
<YIELD-ACTUAL>                                        9.91
<LOANS-NON>                                        505,576
<LOANS-PAST>                                       717,169
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                  3,922,751
<ALLOWANCE-OPEN>                                 1,177,437
<CHARGE-OFFS>                                      363,427
<RECOVERIES>                                        44,853
<ALLOWANCE-CLOSE>                                1,158,863
<ALLOWANCE-DOMESTIC>                             1,158,863
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                            979,646
        

</TABLE>