<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
REGISTRANT'S CONSOLIDATED FINANCIAL STATEMENTS FOR THE YEAR ENDED
DECEMBER 31, 1998 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-START>                             JAN-01-1998
<PERIOD-END>                               DEC-31-1998
<CASH>                                           1,186
<INT-BEARING-DEPOSITS>                          13,106
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      7,047
<INVESTMENTS-CARRYING>                           1,033
<INVESTMENTS-MARKET>                             1,060
<LOANS>                                         94,319
<ALLOWANCE>                                        955
<TOTAL-ASSETS>                                 121,272
<DEPOSITS>                                     106,193
<SHORT-TERM>                                       172
<LIABILITIES-OTHER>                                475
<LONG-TERM>                                      5,963
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         6,869
<OTHER-SE>                                       1,617
<TOTAL-LIABILITIES-AND-EQUITY>                 121,272
<INTEREST-LOAN>                                  7,651
<INTEREST-INVEST>                                  378
<INTEREST-OTHER>                                   391
<INTEREST-TOTAL>                                 8,420
<INTEREST-DEPOSIT>                               4,305
<INTEREST-EXPENSE>                               4,509
<INTEREST-INCOME-NET>                            3,911
<LOAN-LOSSES>                                      239
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  2,938
<INCOME-PRETAX>                                  1,153
<INCOME-PRE-EXTRAORDINARY>                       1,153
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       803
<EPS-PRIMARY>                                      .81
<EPS-DILUTED>                                      .80
<YIELD-ACTUAL>                                     4.0
<LOANS-NON>                                         17
<LOANS-PAST>                                       514
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    770
<ALLOWANCE-OPEN>                                   848
<CHARGE-OFFS>                                      151
<RECOVERIES>                                        19
<ALLOWANCE-CLOSE>                                  955
<ALLOWANCE-DOMESTIC>                               955
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0