<ARTICLE> 9 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-START> JAN-01-1998 <PERIOD-END> DEC-31-1998 <CASH> 9,277,000 <INT-BEARING-DEPOSITS> 10,143,000 <FED-FUNDS-SOLD> 31,900,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 47,860,000 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 94,201,000 <ALLOWANCE> 2,500,000 <TOTAL-ASSETS> 193,884,000 <DEPOSITS> 170,423,000 <SHORT-TERM> 0 <LIABILITIES-OTHER> 1,528,000 <LONG-TERM> 1,463,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 14,648,000 <OTHER-SE> 5,822,000 <TOTAL-LIABILITIES-AND-EQUITY> 193,884,000 <INTEREST-LOAN> 8,517,000 <INTEREST-INVEST> 2,287,000 <INTEREST-OTHER> 1,808,000 <INTEREST-TOTAL> 12,612,000 <INTEREST-DEPOSIT> 3,437,000 <INTEREST-EXPENSE> 3,440,000 <INTEREST-INCOME-NET> 9,172,000 <LOAN-LOSSES> 72,000 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 7,052,000 <INCOME-PRETAX> 2,906,000 <INCOME-PRE-EXTRAORDINARY> 1,709,000 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,709,000 <EPS-PRIMARY> 0.66 <EPS-DILUTED> 0.62 <YIELD-ACTUAL> 0.48 <LOANS-NON> 243,000 <LOANS-PAST> 220,000 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,400,000 <CHARGE-OFFS> 19,000 <RECOVERIES> 47,000 <ALLOWANCE-CLOSE> 2,500,000 <ALLOWANCE-DOMESTIC> 2,500,000 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0