<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-END> DEC-31-1998 <CASH> 20,220 <INT-BEARING-DEPOSITS> 869 <FED-FUNDS-SOLD> 15,250 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 48,160 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 151,151 <ALLOWANCE> 2,631 <TOTAL-ASSETS> 231,967 <DEPOSITS> 206,637 <SHORT-TERM> 0 <LIABILITIES-OTHER> 2,881 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 15,229 <OTHER-SE> 7,000 <TOTAL-LIABILITIES-AND-EQUITY> 231,967 <INTEREST-LOAN> 15,793 <INTEREST-INVEST> 2,416 <INTEREST-OTHER> 427 <INTEREST-TOTAL> 18,636 <INTEREST-DEPOSIT> 5,348 <INTEREST-EXPENSE> 5,452 <INTEREST-INCOME-NET> 13,184 <LOAN-LOSSES> 375 <SECURITIES-GAINS> 15 <EXPENSE-OTHER> 9,455 <INCOME-PRETAX> 6,316 <INCOME-PRE-EXTRAORDINARY> 5,580 <EXTRAORDINARY> 427 <CHANGES> 0 <NET-INCOME> 3,673 <EPS-PRIMARY> 1.40 <EPS-DILUTED> 1.31 <YIELD-ACTUAL> 7.04 <LOANS-NON> 1,197 <LOANS-PAST> 16 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,219 <CHARGE-OFFS> 217 <RECOVERIES> 254 <ALLOWANCE-CLOSE> 2,631 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 2,631