<TABLE> <S> <C>

<ARTICLE>                                            9
<LEGEND>
THE SCHEDULE  CONTAINS SUMMARY FINANCIAL  INFORMATION  EXTRACTED FROM THE ANNUAL
REPORT ON FORM 10-KSB FOR THE YEAR ENDED  December  31, 1998 AND IS QUALIFIED IN
ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER>          1
       
<S>                                      <C>
<PERIOD-TYPE>                            12-MOS
<FISCAL-YEAR-END>                                   DEC-31-1998
<PERIOD-END>                                        DEC-31-1998
<CASH>                                                1,109,911
<INT-BEARING-DEPOSITS>                                2,977,766
<FED-FUNDS-SOLD>                                              0
<TRADING-ASSETS>                                              0
<INVESTMENTS-HELD-FOR-SALE>                          33,842,698
<INVESTMENTS-CARRYING>                               21,826,889
<INVESTMENTS-MARKET>                                 22,116,475
<LOANS>                                              96,347,716
<ALLOWANCE>                                             480,000
<TOTAL-ASSETS>                                      162,317,968
<DEPOSITS>                                          105,982,327
<SHORT-TERM>                                          2,000,000
<LIABILITIES-OTHER>                                   1,600,897
<LONG-TERM>                                          41,000,000
<PREFERRED-MANDATORY>                                         0
<PREFERRED>                                                   0
<COMMON>                                             12,034,744
<OTHER-SE>                                                    0
<TOTAL-LIABILITIES-AND-EQUITY>                      162,317,968
<INTEREST-LOAN>                                       7,536,716
<INTEREST-INVEST>                                     3,805,668
<INTEREST-OTHER>                                              0
<INTEREST-TOTAL>                                     11,342,384
<INTEREST-DEPOSIT>                                    4,924,651
<INTEREST-EXPENSE>                                    7,227,165
<INTEREST-INCOME-NET>                                 4,115,219
<LOAN-LOSSES>                                            47,907
<SECURITIES-GAINS>                                      117,920
<EXPENSE-OTHER>                                       2,809,943
<INCOME-PRETAX>                                       1,921,258
<INCOME-PRE-EXTRAORDINARY>                            1,921,258
<EXTRAORDINARY>                                               0
<CHANGES>                                                     0
<NET-INCOME>                                          1,372,258
<EPS-PRIMARY>                                              1.31
<EPS-DILUTED>                                              1.25
<YIELD-ACTUAL>                                             2.83
<LOANS-NON>                                             172,000
<LOANS-PAST>                                              8,000
<LOANS-TROUBLED>                                              0
<LOANS-PROBLEM>                                               0
<ALLOWANCE-OPEN>                                        568,000
<CHARGE-OFFS>                                           135,907
<RECOVERIES>                                                  0
<ALLOWANCE-CLOSE>                                       480,000
<ALLOWANCE-DOMESTIC>                                    311,000
<ALLOWANCE-FOREIGN>                                           0
<ALLOWANCE-UNALLOCATED>                                 169,000
        


</TABLE>