<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-END> DEC-31-1998 <CASH> 8,752 <INT-BEARING-DEPOSITS> 741 <FED-FUNDS-SOLD> 3,934 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 47,886 <INVESTMENTS-CARRYING> 14,068 <INVESTMENTS-MARKET> 14,346 <LOANS> 153,649 <ALLOWANCE> 1,947 <TOTAL-ASSETS> 233,491 <DEPOSITS> 199,800 <SHORT-TERM> 4,550 <LIABILITIES-OTHER> 2,586 <LONG-TERM> 6,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 1,805 <OTHER-SE> 18,751 <TOTAL-LIABILITIES-AND-EQUITY> 233,491 <INTEREST-LOAN> 13,404 <INTEREST-INVEST> 3,020 <INTEREST-OTHER> 323 <INTEREST-TOTAL> 16,746 <INTEREST-DEPOSIT> 8,176 <INTEREST-EXPENSE> 8,722 <INTEREST-INCOME-NET> 8,025 <LOAN-LOSSES> 300 <SECURITIES-GAINS> 36 <EXPENSE-OTHER> 6,115 <INCOME-PRETAX> 3,017 <INCOME-PRE-EXTRAORDINARY> 3,017 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,089 <EPS-PRIMARY> 2.36 <EPS-DILUTED> 2.36 <YIELD-ACTUAL> 4.21 <LOANS-NON> 582 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 1,345 <ALLOWANCE-OPEN> 1,845 <CHARGE-OFFS> 207 <RECOVERIES> 9 <ALLOWANCE-CLOSE> 1,947 <ALLOWANCE-DOMESTIC> 1,947 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0