<ARTICLE> 9 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-END> DEC-31-1998 <CASH> 4,195 <INT-BEARING-DEPOSITS> 79 <FED-FUNDS-SOLD> 2,860 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 25,475 <INVESTMENTS-CARRYING> 25,475 <INVESTMENTS-MARKET> 25,475 <LOANS> 143,669 <ALLOWANCE> 1,106 <TOTAL-ASSETS> 182,741 <DEPOSITS> 159,331 <SHORT-TERM> 0 <LIABILITIES-OTHER> 2,076 <LONG-TERM> 1,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 200 <OTHER-SE> 20,133 <TOTAL-LIABILITIES-AND-EQUITY> 182,741 <INTEREST-LOAN> 12,480 <INTEREST-INVEST> 2,055 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 14,535 <INTEREST-DEPOSIT> 7,161 <INTEREST-EXPENSE> 7,216 <INTEREST-INCOME-NET> 7,319 <LOAN-LOSSES> 580 <SECURITIES-GAINS> 2 <EXPENSE-OTHER> 5,742 <INCOME-PRETAX> 2,872 <INCOME-PRE-EXTRAORDINARY> 2,872 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,829 <EPS-PRIMARY> 2.45 <EPS-DILUTED> 2.45 <YIELD-ACTUAL> 8.86 <LOANS-NON> 857 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 3,560 <ALLOWANCE-OPEN> 1,402 <CHARGE-OFFS> 1,059 <RECOVERIES> 183 <ALLOWANCE-CLOSE> 1,106 <ALLOWANCE-DOMESTIC> 1,106 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0