<ARTICLE>                                            9
<LEGEND>
This schedule contains summary financial information extracted from the Form
10-KSB and is qualified in its entirety by reference to such financial
statements.
</LEGEND>
       
                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                              DEC-31-1998
<PERIOD-END>                                   DEC-31-1998
<CASH>                                               6,211
<INT-BEARING-DEPOSITS>                               2,466
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                          4,974
<INVESTMENTS-CARRYING>                                   0
<INVESTMENTS-MARKET>                                     0
<LOANS>                                            184,358
<ALLOWANCE>                                            814
<TOTAL-ASSETS>                                     236,298
<DEPOSITS>                                         172,469
<SHORT-TERM>                                        34,156
<LIABILITIES-OTHER>                                 11,569
<LONG-TERM>                                              0
<PREFERRED-MANDATORY>                                    5
<PREFERRED>                                              0
<COMMON>                                                 0
<OTHER-SE>                                          18,099
<TOTAL-LIABILITIES-AND-EQUITY>                     236,298
<INTEREST-LOAN>                                     17,321
<INTEREST-INVEST>                                      293
<INTEREST-OTHER>                                       652
<INTEREST-TOTAL>                                    18,266
<INTEREST-DEPOSIT>                                   8,580
<INTEREST-EXPENSE>                                  11,286
<INTEREST-INCOME-NET>                                6,770
<LOAN-LOSSES>                                          210
<SECURITIES-GAINS>                                     710
<EXPENSE-OTHER>                                     21,409
<INCOME-PRETAX>                                        946
<INCOME-PRE-EXTRAORDINARY>                             946
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                           823
<EPS-PRIMARY>                                         1.70
<EPS-DILUTED>                                         1.56
<YIELD-ACTUAL>                                           0
<LOANS-NON>                                         11,745
<LOANS-PAST>                                             0
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                       665
<CHARGE-OFFS>                                           11
<RECOVERIES>                                             0
<ALLOWANCE-CLOSE>                                      814
<ALLOWANCE-DOMESTIC>                                     0
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                814
                                               
<FN>
<F1> This information is not disclosed in the Form 10-KSB
</FN>