<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
COMPANY'S 10-K FOR PERIOD ENDING DECEMBER 31, 1998 AND IS QUALIFIED IN 
ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS AND THE NOTES 
THERETO.
</LEGEND>
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               DEC-31-1998
<CASH>                                       9,427,069
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                            12,970,075
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 45,972,651
<INVESTMENTS-CARRYING>                      25,589,675
<INVESTMENTS-MARKET>                        25,880,236
<LOANS>                                    169,651,061
<ALLOWANCE>                                  2,935,534
<TOTAL-ASSETS>                             275,004,977
<DEPOSITS>                                 233,799,526
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                          2,491,136
<LONG-TERM>                                  2,028,120
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     1,573,515
<OTHER-SE>                                  35,112,680
<TOTAL-LIABILITIES-AND-EQUITY>             275,004,977
<INTEREST-LOAN>                             17,718,313
<INTEREST-INVEST>                            4,071,308
<INTEREST-OTHER>                               716,654
<INTEREST-TOTAL>                            22,506,275
<INTEREST-DEPOSIT>                           9,308,183
<INTEREST-EXPENSE>                           9,445,271
<INTEREST-INCOME-NET>                       13,061,004
<LOAN-LOSSES>                                1,651,925
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              8,321,269
<INCOME-PRETAX>                              5,712,147
<INCOME-PRE-EXTRAORDINARY>                   3,802,932
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 3,802,932
<EPS-PRIMARY>                                     2.44
<EPS-DILUTED>                                     2.43
<YIELD-ACTUAL>                                    5.14
<LOANS-NON>                                  3,173,107
<LOANS-PAST>                                   252,637
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             2,604,080
<CHARGE-OFFS>                                1,577,462
<RECOVERIES>                                   256,991
<ALLOWANCE-CLOSE>                            2,935,534
<ALLOWANCE-DOMESTIC>                         2,935,534
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0