<ARTICLE>                                          9
<MULTIPLIER>                                   1,000
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1998 
<PERIOD-END>                               DEC-31-1998        
<CASH>                                          10,889        
<INT-BEARING-DEPOSITS>                             203        
<FED-FUNDS-SOLD>                                     0        
<TRADING-ASSETS>                                     0        
<INVESTMENTS-HELD-FOR-SALE>                     56,225        
<INVESTMENTS-CARRYING>                               0        
<INVESTMENTS-MARKET>                                 0        
<LOANS>                                        189,111        
<ALLOWANCE>                                      1,865        
<TOTAL-ASSETS>                                 273,082        
<DEPOSITS>                                     241,913        
<SHORT-TERM>                                     1,234        
<LIABILITIES-OTHER>                              1,306        
<LONG-TERM>                                      2,571        
<PREFERRED-MANDATORY>                                0        
<PREFERRED>                                          0        
<COMMON>                                         5,760        
<OTHER-SE>                                      20,298        
<TOTAL-LIABILITIES-AND-EQUITY>                 273,082        
<INTEREST-LOAN>                                 16,832        
<INTEREST-INVEST>                                2,783        
<INTEREST-OTHER>                                   363        
<INTEREST-TOTAL>                                19,978        
<INTEREST-DEPOSIT>                               9,081        
<INTEREST-EXPENSE>                               9,265        
<INTEREST-INCOME-NET>                           10,713        
<LOAN-LOSSES>                                      375        
<SECURITIES-GAINS>                                 194        
<EXPENSE-OTHER>                                  8,446        
<INCOME-PRETAX>                                  3,724        
<INCOME-PRE-EXTRAORDINARY>                       3,724        
<EXTRAORDINARY>                                      0        
<CHANGES>                                            0        
<NET-INCOME>                                     2,536        
<EPS-PRIMARY>                                     1.10        
<EPS-DILUTED>                                     1.10        
<YIELD-ACTUAL>                                    4.51        
<LOANS-NON>                                      1,706        
<LOANS-PAST>                                        13        
<LOANS-TROUBLED>                                     0        
<LOANS-PROBLEM>                                      0        
<ALLOWANCE-OPEN>                                 2,098        
<CHARGE-OFFS>                                      635        
<RECOVERIES>                                        27        
<ALLOWANCE-CLOSE>                                1,865        
<ALLOWANCE-DOMESTIC>                             1,865        
<ALLOWANCE-FOREIGN>                                  0        
<ALLOWANCE-UNALLOCATED>                              0