<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