<TABLE> <S> <C>


<ARTICLE>                     9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL  INFORMATION  EXTRACTED 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>                                             6,721
<INT-BEARING-DEPOSITS>                             2,268
<FED-FUNDS-SOLD>                                   9,700
<TRADING-ASSETS>                                       0
<INVESTMENTS-HELD-FOR-SALE>                       28,929
<INVESTMENTS-CARRYING>                             3,392
<INVESTMENTS-MARKET>                               3,419
<LOANS>                                          134,249
<ALLOWANCE>                                        1,336
<TOTAL-ASSETS>                                   194,132
<DEPOSITS>                                       169,870
<SHORT-TERM>                                           0
<LIABILITIES-OTHER>                                1,142
<LONG-TERM>                                        2,019
<PREFERRED-MANDATORY>                                  0
<PREFERRED>                                            0
<COMMON>                                           1,745
<OTHER-SE>                                        19,356
<TOTAL-LIABILITIES-AND-EQUITY>                   194,132
<INTEREST-LOAN>                                    8,943
<INTEREST-INVEST>                                  2,133
<INTEREST-OTHER>                                     267
<INTEREST-TOTAL>                                  11,343 
<INTEREST-DEPOSIT>                                 4,550
<INTEREST-EXPENSE>                                 4,669
<INTEREST-INCOME-NET>                              6,674 
<LOAN-LOSSES>                                        200
<SECURITIES-GAINS>                                     0
<EXPENSE-OTHER>                                    5,354
<INCOME-PRETAX>                                    1,913
<INCOME-PRE-EXTRAORDINARY>                         1,913
<EXTRAORDINARY>                                        0
<CHANGES>                                              0
<NET-INCOME>                                       1,323
<EPS-PRIMARY>                                       1.12
<EPS-DILUTED>                                       1.12
<YIELD-ACTUAL>                                      4.61
<LOANS-NON>                                        1,022
<LOANS-PAST>                                         287
<LOANS-TROUBLED>                                       0
<LOANS-PROBLEM>                                        0
<ALLOWANCE-OPEN>                                     874
<CHARGE-OFFS>                                        113
<RECOVERIES>                                          26
<ALLOWANCE-CLOSE>                                  1,336
<ALLOWANCE-DOMESTIC>                                 523
<ALLOWANCE-FOREIGN>                                    0 
<ALLOWANCE-UNALLOCATED>                              813
        


</TABLE>