<ARTICLE> 9
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               DEC-31-1998
<CASH>                                           6,972
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                15,200
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     39,228
<INVESTMENTS-CARRYING>                          27,549
<INVESTMENTS-MARKET>                            28,342
<LOANS>                                        137,729
<ALLOWANCE>                                      1,851
<TOTAL-ASSETS>                                 231,994
<DEPOSITS>                                     192,079
<SHORT-TERM>                                     3,335
<LIABILITIES-OTHER>                                556
<LONG-TERM>                                      8,587
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         8,847
<OTHER-SE>                                      18,590
<TOTAL-LIABILITIES-AND-EQUITY>                 231,994
<INTEREST-LOAN>                                 12,043
<INTEREST-INVEST>                                3,341
<INTEREST-OTHER>                                   640
<INTEREST-TOTAL>                                16,024
<INTEREST-DEPOSIT>                               7,195
<INTEREST-EXPENSE>                               7,892
<INTEREST-INCOME-NET>                            8,132
<LOAN-LOSSES>                                      183
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  4,574
<INCOME-PRETAX>                                  3,933
<INCOME-PRE-EXTRAORDINARY>                       3,933
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,916
<EPS-PRIMARY>                                     4.37
<EPS-DILUTED>                                     4.37
<YIELD-ACTUAL>                                    4.09
<LOANS-NON>                                         21
<LOANS-PAST>                                       155
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,745
<CHARGE-OFFS>                                      217
<RECOVERIES>                                        47
<ALLOWANCE-CLOSE>                                1,851
<ALLOWANCE-DOMESTIC>                             1,851
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0