<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-START> JAN-01-1998 <PERIOD-END> DEC-31-1998 <CASH> 5,095 <INT-BEARING-DEPOSITS> 75 <FED-FUNDS-SOLD> 4,743 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 47,150 <INVESTMENTS-CARRYING> 318 <INVESTMENTS-MARKET> 318 <LOANS> 123,225 <ALLOWANCE> 1,157 <TOTAL-ASSETS> 186,052 <DEPOSITS> 150,289 <SHORT-TERM> 0 <LIABILITIES-OTHER> 1,226 <LONG-TERM> 17,743 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 3,930 <OTHER-SE> 12,864 <TOTAL-LIABILITIES-AND-EQUITY> 186,052 <INTEREST-LOAN> 5,270 <INTEREST-INVEST> 1,282 <INTEREST-OTHER> 47 <INTEREST-TOTAL> 6,599 <INTEREST-DEPOSIT> 2,962 <INTEREST-EXPENSE> 3,352 <INTEREST-INCOME-NET> 3,247 <LOAN-LOSSES> 138 <SECURITIES-GAINS> 136 <EXPENSE-OTHER> 2,559 <INCOME-PRETAX> 1,283 <INCOME-PRE-EXTRAORDINARY> 1,283 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 882 <EPS-PRIMARY> 1.12 <EPS-DILUTED> 1.12 <YIELD-ACTUAL> 8.21 <LOANS-NON> 74 <LOANS-PAST> 207 <LOANS-TROUBLED> 37 <LOANS-PROBLEM> 1,410 <ALLOWANCE-OPEN> 1,112 <CHARGE-OFFS> 102 <RECOVERIES> 9 <ALLOWANCE-CLOSE> 1,157 <ALLOWANCE-DOMESTIC> 1,157 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0