[ARTICLE] 9
[CIK] 
[NAME] 
[MULTIPLIER] 1,000
[CURRENCY] 

                             
[PERIOD-TYPE]                   YEAR
[FISCAL-YEAR-END]                          DEC-31-1998
[PERIOD-START]                              JAN-1-1998
[PERIOD-END]                               DEC-31-1998
[CASH]                                          13,081
[INT-BEARING-DEPOSITS]                          11,125
[FED-FUNDS-SOLD]                                   553
[INVESTMENTS-HELD-FOR-SALE]                     36,175
[INVESTMENTS-CARRYING]                          14,314
[INVESTMENTS-MARKET]                            14,516
[LOANS]                                        118,063
[ALLOWANCE]                                      1,702
[TOTAL-ASSETS]                                 206,827
[DEPOSITS]                                     184,672
[SHORT-TERM]                                     1,427
[LIABILITIES-OTHER]                              2,198
[LONG-TERM]                                          0          
[PREFERRED-MANDATORY]                                0
[PREFERRED]                                          0
[COMMON]                                         2,164
[OTHER-SE]                                      16,365
[TOTAL-LIABILITIES-AND-EQUITY]                 206,827
[INTEREST-LOAN]                                 11,391
[INTEREST-INVEST]                                2,339
[INTEREST-OTHER]                                   667
[INTEREST-TOTAL]                                14,398
[INTEREST-DEPOSIT]                               5,081
[INTEREST-EXPENSE]                               5,189
[INTEREST-INCOME-NET]                            9,209
[LOAN-LOSSES]                                      175
[SECURITIES-GAINS]                                 381
[EXPENSE-OTHER]                                 14,636
[INCOME-PRETAX]                                  2,469
[INCOME-PRE-EXTRAORDINARY]                       2,469
[EXTRAORDINARY]                                      0
[CHANGES]                                            0                                
[NET-INCOME]                                     1,766
[EPS-PRIMARY]                                      .82
[EPS-DILUTED]                                      .82
[YIELD-ACTUAL]                                    8.64
[LOANS-NON]                                      1,683
[LOANS-PAST]                                       470
[LOANS-TROUBLED]                                     0
[LOANS-PROBLEM]                                  1,245
[ALLOWANCE-OPEN]                                 1,752
[CHARGE-OFFS]                                      445
[RECOVERIES]                                       221
[ALLOWANCE-CLOSE]                                1,703
[ALLOWANCE-DOMESTIC]                             1,703
[ALLOWANCE-FOREIGN]                                  0
[ALLOWANCE-UNALLOCATED]                              0