<ARTICLE> 9
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               DEC-31-1998
<CASH>                                             975
<INT-BEARING-DEPOSITS>                           9,178
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      9,907
<INVESTMENTS-CARRYING>                          25,478
<INVESTMENTS-MARKET>                            25,598
<LOANS>                                        123,917
<ALLOWANCE>                                        571
<TOTAL-ASSETS>                                 177,374
<DEPOSITS>                                     109,698
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              1,939
<LONG-TERM>                                     50,977
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         8,977
<OTHER-SE>                                       5,783
<TOTAL-LIABILITIES-AND-EQUITY>                 177,374
<INTEREST-LOAN>                                  8,689
<INTEREST-INVEST>                                2,727
<INTEREST-OTHER>                                   256
<INTEREST-TOTAL>                                11,672
<INTEREST-DEPOSIT>                               3,976
<INTEREST-EXPENSE>                               6,685
<INTEREST-INCOME-NET>                            4,987
<LOAN-LOSSES>                                      209
<SECURITIES-GAINS>                                 (7)
<EXPENSE-OTHER>                                  4,096
<INCOME-PRETAX>                                  1,216
<INCOME-PRE-EXTRAORDINARY>                       1,216
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       743
<EPS-PRIMARY>                                      .79
<EPS-DILUTED>                                      .78
<YIELD-ACTUAL>                                    3.10
<LOANS-NON>                                        698
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   403
<CHARGE-OFFS>                                       41
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  571
<ALLOWANCE-DOMESTIC>                               564
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              7