<TABLE> <S> <C>


<ARTICLE>                                      9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL  INFORMATION  EXTRACTED FROM THE ANNUAL
REPORT  ON FORM 10-K 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>                                               2,137
<INT-BEARING-DEPOSITS>                               9,332
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                         58,075
<INVESTMENTS-CARRYING>                              66,433
<INVESTMENTS-MARKET>                                67,349
<LOANS>                                            101,201 
<ALLOWANCE>                                          1,287
<TOTAL-ASSETS>                                     244,253
<DEPOSITS>                                         181,113
<SHORT-TERM>                                             0
<LIABILITIES-OTHER>                                  1,674
<LONG-TERM>                                         32,282
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                               276
<OTHER-SE>                                          28,908
<TOTAL-LIABILITIES-AND-EQUITY>                     244,253
<INTEREST-LOAN>                                      8,378
<INTEREST-INVEST>                                    7,437
<INTEREST-OTHER>                                       296
<INTEREST-TOTAL>                                    16,111
<INTEREST-DEPOSIT>                                   7,264
<INTEREST-EXPENSE>                                   8,523
<INTEREST-INCOME-NET>                                7,589
<LOAN-LOSSES>                                          365
<SECURITIES-GAINS>                                     117
<EXPENSE-OTHER>                                      6,245
<INCOME-PRETAX>                                      1,893
<INCOME-PRE-EXTRAORDINARY>                           1,502
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                         1,502
<EPS-PRIMARY>                                         0.56
<EPS-DILUTED>                                         0.56
<YIELD-ACTUAL>                                        3.65
<LOANS-NON>                                            392
<LOANS-PAST>                                           135
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                     1,394
<CHARGE-OFFS>                                          527
<RECOVERIES>                                            55
<ALLOWANCE-CLOSE>                                    1,287
<ALLOWANCE-DOMESTIC>                                 1,287
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                  0
        


</TABLE>