<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE 1998
10-K AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               DEC-31-1998
<CASH>                                           9,056
<INT-BEARING-DEPOSITS>                          10,200
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     51,900
<INVESTMENTS-CARRYING>                          51,911
<INVESTMENTS-MARKET>                            51,900
<LOANS>                                        143,359
<ALLOWANCE>                                      1,485
<TOTAL-ASSETS>                                 232,561
<DEPOSITS>                                     167,620
<SHORT-TERM>                                     9,451
<LIABILITIES-OTHER>                              2,787
<LONG-TERM>                                     22,175
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        28,002
<OTHER-SE>                                       2,526
<TOTAL-LIABILITIES-AND-EQUITY>                 232,561
<INTEREST-LOAN>                                 10,516
<INTEREST-INVEST>                                3,104
<INTEREST-OTHER>                                   629
<INTEREST-TOTAL>                                14,249
<INTEREST-DEPOSIT>                               6,091
<INTEREST-EXPENSE>                               1,302
<INTEREST-INCOME-NET>                            6,856
<LOAN-LOSSES>                                       44
<SECURITIES-GAINS>                                  43
<EXPENSE-OTHER>                                  6,147
<INCOME-PRETAX>                                  3,666
<INCOME-PRE-EXTRAORDINARY>                       3,666
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,267
<EPS-PRIMARY>                                     1.43
<EPS-DILUTED>                                     1.43
<YIELD-ACTUAL>                                    7.53
<LOANS-NON>                                        594
<LOANS-PAST>                                       387
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   846
<CHARGE-OFFS>                                       56
<RECOVERIES>                                        12
<ALLOWANCE-CLOSE>                                1,485
<ALLOWANCE-DOMESTIC>                             1,485
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0