<ARTICLE> 9 <CIK> 0001056943 <NAME> 2r$ixyyp <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-END> DEC-31-1998 <CASH> 2,084 <INT-BEARING-DEPOSITS> 2,725 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 0 <INVESTMENTS-CARRYING> 93,175 <INVESTMENTS-MARKET> 93,736 <LOANS> 141,248 <ALLOWANCE> 1,713 <TOTAL-ASSETS> 247,202 <DEPOSITS> 209,881 <SHORT-TERM> 4,032 <LIABILITIES-OTHER> 1,243 <LONG-TERM> 5,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 4,455 <OTHER-SE> 22,591 <TOTAL-LIABILITIES-AND-EQUITY> 247,202 <INTEREST-LOAN> 11,448 <INTEREST-INVEST> 4,959 <INTEREST-OTHER> 177 <INTEREST-TOTAL> 16,584 <INTEREST-DEPOSIT> 7,906 <INTEREST-EXPENSE> 285 <INTEREST-INCOME-NET> 8,393 <LOAN-LOSSES> 190 <SECURITIES-GAINS> 47 <EXPENSE-OTHER> 5,090 <INCOME-PRETAX> 4,309 <INCOME-PRE-EXTRAORDINARY> 4,309 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3,405 <EPS-PRIMARY> 1.56 <EPS-DILUTED> 1.56 <YIELD-ACTUAL> 1.80 <LOANS-NON> 516 <LOANS-PAST> 2,507 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 351 <ALLOWANCE-OPEN> 1,676 <CHARGE-OFFS> 195 <RECOVERIES> 42 <ALLOWANCE-CLOSE> 1,713 <ALLOWANCE-DOMESTIC> 1,713 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0