<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM 1998 ANNUAL
REPORT
</LEGEND>
<MULTIPLIER> 1000
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               DEC-31-1998
<CASH>                                            2695
<INT-BEARING-DEPOSITS>                              26
<FED-FUNDS-SOLD>                                   600
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                       5320
<INVESTMENTS-CARRYING>                            6276
<INVESTMENTS-MARKET>                              6484
<LOANS>                                          81915
<ALLOWANCE>                                       1011
<TOTAL-ASSETS>                                  100229
<DEPOSITS>                                       72389
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                               1250
<LONG-TERM>                                      15593
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                          2976
<OTHER-SE>                                        8021
<TOTAL-LIABILITIES-AND-EQUITY>                  100229
<INTEREST-LOAN>                                   5870
<INTEREST-INVEST>                                  824
<INTEREST-OTHER>                                   186
<INTEREST-TOTAL>                                  6880
<INTEREST-DEPOSIT>                                2472
<INTEREST-EXPENSE>                                3125
<INTEREST-INCOME-NET>                             3755
<LOAN-LOSSES>                                     (23)
<SECURITIES-GAINS>                                (18)
<EXPENSE-OTHER>                                   2461
<INCOME-PRETAX>                                   1882
<INCOME-PRE-EXTRAORDINARY>                        1334
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                      1334
<EPS-PRIMARY>                                     2.24
<EPS-DILUTED>                                     2.22
<YIELD-ACTUAL>                                    4.50
<LOANS-NON>                                        243
<LOANS-PAST>                                       130
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                  1035
<CHARGE-OFFS>                                       30
<RECOVERIES>                                        29
<ALLOWANCE-CLOSE>                                 1011
<ALLOWANCE-DOMESTIC>                               617
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            394