<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION DERIVED 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>                                             467
<INT-BEARING-DEPOSITS>                           2,372
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      5,829
<INVESTMENTS-CARRYING>                           1,158
<INVESTMENTS-MARKET>                             1,147
<LOANS>                                         41,503
<ALLOWANCE>                                        326
<TOTAL-ASSETS>                                  51,866
<DEPOSITS>                                      40,106
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                490
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            77
<OTHER-SE>                                      11,193
<TOTAL-LIABILITIES-AND-EQUITY>                  51,866
<INTEREST-LOAN>                                  3,409
<INTEREST-INVEST>                                  422
<INTEREST-OTHER>                                   158
<INTEREST-TOTAL>                                 3,989
<INTEREST-DEPOSIT>                               1,959
<INTEREST-EXPENSE>                               1,959
<INTEREST-INCOME-NET>                            2,030
<LOAN-LOSSES>                                       31
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,325
<INCOME-PRETAX>                                    842
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       497
<EPS-PRIMARY>                                      .71
<EPS-DILUTED>                                      .71
<YIELD-ACTUAL>                                    3.95
<LOANS-NON>                                        437
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   301
<CHARGE-OFFS>                                        6
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  326
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        


</TABLE>