<ARTICLE> 9
<LEGEND>
THIS  SCHEDULE  CONTAINS  FINANCIAL  INFORMATION  FROM  THE CONSOLIDATED BALANCE
SHEETS  AT  DECEMBER  31, 1998 AND THE CONSOLIDATED STATEMENTS OF INCOME FOR THE
YEAR  ENDED  DECEMBER  31, 1998 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH  STATEMENTS.
</LEGEND>
<MULTIPLIER> 1
<CURRENCY> U.S. DOLLARS
       
                                     
<PERIOD-TYPE>                           YEAR
<FISCAL-YEAR-END>                       DEC-31-1998
<PERIOD-START>                          JAN-01-1998
<PERIOD-END>                            DEC-31-1998
<EXCHANGE-RATE>                                  1 
<CASH>                                        5377 
<INT-BEARING-DEPOSITS>                         623 
<FED-FUNDS-SOLD>                               400 
<TRADING-ASSETS>                                 0 
<INVESTMENTS-HELD-FOR-SALE>                  27102 
<INVESTMENTS-CARRYING>                       27102 
<INVESTMENTS-MARKET>                           792 
<LOANS>                                     130669 
<ALLOWANCE>                                   1827 
<TOTAL-ASSETS>                              170485 
<DEPOSITS>                                  140243 
<SHORT-TERM>                                  7386 
<LIABILITIES-OTHER>                           2182 
<LONG-TERM>                                   5000 
<PREFERRED-MANDATORY>                            0 
<PREFERRED>                                      0 
<COMMON>                                      3039 
<OTHER-SE>                                   12635 
<TOTAL-LIABILITIES-AND-EQUITY>              170485 
<INTEREST-LOAN>                              12275 
<INTEREST-INVEST>                             1568 
<INTEREST-OTHER>                               573 
<INTEREST-TOTAL>                             14416 
<INTEREST-DEPOSIT>                            6431 
<INTEREST-EXPENSE>                            6802 
<INTEREST-INCOME-NET>                         7614 
<LOAN-LOSSES>                                  290 
<SECURITIES-GAINS>                               0 
<EXPENSE-OTHER>                               5826 
<INCOME-PRETAX>                               2906 
<INCOME-PRE-EXTRAORDINARY>                    2906 
<EXTRAORDINARY>                                  0 
<CHANGES>                                        0 
<NET-INCOME>                                  1895 
<EPS-PRIMARY>                                  .63 
<EPS-DILUTED>                                  .53 
<YIELD-ACTUAL>                                   4 
<LOANS-NON>                                      0 
<LOANS-PAST>                                   483 
<LOANS-TROUBLED>                                 0 
<LOANS-PROBLEM>                                  0 
<ALLOWANCE-OPEN>                              1728 
<CHARGE-OFFS>                                  408 
<RECOVERIES>                                   217 
<ALLOWANCE-CLOSE>                             1827 
<ALLOWANCE-DOMESTIC>                          1827 
<ALLOWANCE-FOREIGN>                              0 
<ALLOWANCE-UNALLOCATED>                          0