<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
This summary financial information is qualified in its entirety by reference to
the Company's financial statements.
</LEGEND>
<MULTIPLIER>                                         1
       
<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                              DEC-31-1998
<PERIOD-END>                                   DEC-31-1998
<CASH>                                            7,812,804  
<INT-BEARING-DEPOSITS>                               14,083  
<FED-FUNDS-SOLD>                                          0  
<TRADING-ASSETS>                                          0  
<INVESTMENTS-HELD-FOR-SALE>                      28,888,350  
<INVESTMENTS-CARRYING>                           27,645,062  
<INVESTMENTS-MARKET>                             28,497,593  
<LOANS>                                         109,566,111  
<ALLOWANCE>                                       1,267,192  
<TOTAL-ASSETS>                                  182,629,494  
<DEPOSITS>                                      154,726,801  
<SHORT-TERM>                                      5,089,192  
<LIABILITIES-OTHER>                                 669,370  
<LONG-TERM>                                       5,027,000  
<PREFERRED-MANDATORY>                                     0  
<PREFERRED>                                               0  
<COMMON>                                          2,392,684  
<OTHER-SE>                                       14,724,447  
<TOTAL-LIABILITIES-AND-EQUITY>                  182,629,494  
<INTEREST-LOAN>                                   9,131,040  
<INTEREST-INVEST>                                 3,196,812  
<INTEREST-OTHER>                                          0  
<INTEREST-TOTAL>                                 12,327,852  
<INTEREST-DEPOSIT>                                5,517,379  
<INTEREST-EXPENSE>                                5,861,432  
<INTEREST-INCOME-NET>                             6,466,420  
<LOAN-LOSSES>                                       197,999  
<SECURITIES-GAINS>                                   88,342  
<EXPENSE-OTHER>                                   4,846,376  
<INCOME-PRETAX>                                   2,579,722  
<INCOME-PRE-EXTRAORDINARY>                        2,579,722  
<EXTRAORDINARY>                                           0  
<CHANGES>                                                 0  
<NET-INCOME>                                      1,936,367  
<EPS-PRIMARY>                                          1.01  
<EPS-DILUTED>                                          1.01  
<YIELD-ACTUAL>                                         8.40  
<LOANS-NON>                                         236,961  
<LOANS-PAST>                                        358,922  
<LOANS-TROUBLED>                                          0  
<LOANS-PROBLEM>                                           0  
<ALLOWANCE-OPEN>                                  1,175,842  
<CHARGE-OFFS>                                       155,563  
<RECOVERIES>                                         48,914  
<ALLOWANCE-CLOSE>                                 1,267,192  
<ALLOWANCE-DOMESTIC>                                796,076  
<ALLOWANCE-FOREIGN>                                       0  
<ALLOWANCE-UNALLOCATED>                             471,116  
                                                             
                                                 

</TABLE>