<ARTICLE> 9
<LEGEND>
This Schedule contains summary financial information extracted from the Balance
Sheet and Statement of Income 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>                                           9,608
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                19,200
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      1,775
<INVESTMENTS-CARRYING>                          13,442
<INVESTMENTS-MARKET>                            13,563
<LOANS>                                        110,191
<ALLOWANCE>                                      2,075
<TOTAL-ASSETS>                                 155,324
<DEPOSITS>                                     136,455
<SHORT-TERM>                                     2,500
<LIABILITIES-OTHER>                              2,004
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         4,896
<OTHER-SE>                                       9,469
<TOTAL-LIABILITIES-AND-EQUITY>                 155,324
<INTEREST-LOAN>                                 10,265
<INTEREST-INVEST>                                  857
<INTEREST-OTHER>                                   756
<INTEREST-TOTAL>                                11,878
<INTEREST-DEPOSIT>                               3,606
<INTEREST-EXPENSE>                               3,708
<INTEREST-INCOME-NET>                            7,970
<LOAN-LOSSES>                                      200
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  6,384
<INCOME-PRETAX>                                  4,051
<INCOME-PRE-EXTRAORDINARY>                       4,051
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,365
<EPS-PRIMARY>                                    $2.39
<EPS-DILUTED>                                    $2.33
<YIELD-ACTUAL>                                    9.59
<LOANS-NON>                                        145
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 2,075
<CHARGE-OFFS>                                       76
<RECOVERIES>                                       313
<ALLOWANCE-CLOSE>                                2,075
<ALLOWANCE-DOMESTIC>                             2,075
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0