<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
     (Replace this text with the legend)
</LEGEND>
<MULTIPLIER>                                   1
<CURRENCY>                                     USA
       
<S>                             <C>
<PERIOD-TYPE>                   Year
<FISCAL-YEAR-END>                              DEC-31-1998
<PERIOD-START>                                 JAN-01-1998
<PERIOD-END>                                   DEC-31-1998
<EXCHANGE-RATE>                                      1.000
<CASH>                                           5,235,130
<INT-BEARING-DEPOSITS>                                   0
<FED-FUNDS-SOLD>                                17,415,000
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                     14,193,407
<INVESTMENTS-CARRYING>                           3,866,409
<INVESTMENTS-MARKET>                             3,873,679
<LOANS>                                        134,818,220
<ALLOWANCE>                                      1,558,741
<TOTAL-ASSETS>                                 185,380,951
<DEPOSITS>                                     164,892,156
<SHORT-TERM>                                     1,287,878
<LIABILITIES-OTHER>                                185,704
<LONG-TERM>                                              0
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                           629,687
<OTHER-SE>                                      18,385,535
<TOTAL-LIABILITIES-AND-EQUITY>                 185,380,951
<INTEREST-LOAN>                                 12,455,825
<INTEREST-INVEST>                                1,871,659
<INTEREST-OTHER>                                         0
<INTEREST-TOTAL>                                14,327,484
<INTEREST-DEPOSIT>                               7,006,075
<INTEREST-EXPENSE>                               7,006,075
<INTEREST-INCOME-NET>                            7,321,409
<LOAN-LOSSES>                                      356,515
<SECURITIES-GAINS>                                    (986)
<EXPENSE-OTHER>                                  3,824,902
<INCOME-PRETAX>                                  3,786,791
<INCOME-PRE-EXTRAORDINARY>                       3,786,791
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                     3,786,791
<EPS-PRIMARY>                                          .89
<EPS-DILUTED>                                          .89
<YIELD-ACTUAL>                                        4.33
<LOANS-NON>                                        589,673
<LOANS-PAST>                                       771,544
<LOANS-TROUBLED>                                 1,130,382
<LOANS-PROBLEM>                                  9,527,989
<ALLOWANCE-OPEN>                                 1,391,424
<CHARGE-OFFS>                                      306,419
<RECOVERIES>                                       117,690
<ALLOWANCE-CLOSE>                                1,558,741
<ALLOWANCE-DOMESTIC>                             1,558,741
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                            612,091
        



</TABLE>