
<TABLE> <S> <C>

<ARTICLE>                    9
<MULTIPLIER>                 1,000
       
<S>                                                <C>
<PERIOD-TYPE>                                      3-MOS
<FISCAL-YEAR-END>                                  DEC-31-1998
<PERIOD-START>                                     JAN-01-1998
<PERIOD-END>                                       DEC-31-1998
<CASH>                                                       3,171
<INT-BEARING-DEPOSITS>                                          21
<FED-FUNDS-SOLD>                                             3,463
<TRADING-ASSETS>                                                 0
<INVESTMENTS-HELD-FOR-SALE>                                 44,114
<INVESTMENTS-CARRYING>                                         987
<INVESTMENTS-MARKET>                                           989
<LOANS>                                                    119,170
<ALLOWANCE>                                                  1,140
<TOTAL-ASSETS>                                             176,849
<DEPOSITS>                                                 141,303
<SHORT-TERM>                                                     0
<LIABILITIES-OTHER>                                          1,414
<LONG-TERM>                                                 17,756
<PREFERRED-MANDATORY>                                            0
<PREFERRED>                                                      0
<COMMON>                                                     3,888
<OTHER-SE>                                                  12,488
<TOTAL-LIABILITIES-AND-EQUITY>                             176,849
<INTEREST-LOAN>                                              2,567
<INTEREST-INVEST>                                              607
<INTEREST-OTHER>                                                10
<INTEREST-TOTAL>                                             3,183
<INTEREST-DEPOSIT>                                           1,473
<INTEREST-EXPENSE>                                           1,605
<INTEREST-INCOME-NET>                                        1,578
<LOAN-LOSSES>                                                   69
<SECURITIES-GAINS>                                              12
<EXPENSE-OTHER>                                              1,251
<INCOME-PRETAX>                                                536
<INCOME-PRE-EXTRAORDINARY>                                     536
<EXTRAORDINARY>                                                  0
<CHANGES>                                                        0
<NET-INCOME>                                                   374
<EPS-PRIMARY>                                                 0.48
<EPS-DILUTED>                                                 0.48
<YIELD-ACTUAL>                                                3.19
<LOANS-NON>                                                     37
<LOANS-PAST>                                                   270
<LOANS-TROUBLED>                                                37
<LOANS-PROBLEM>                                              1,446
<ALLOWANCE-OPEN>                                               911 
<CHARGE-OFFS>                                                   44
<RECOVERIES>                                                     2
<ALLOWANCE-CLOSE>                                            1,140
<ALLOWANCE-DOMESTIC>                                         1,140
<ALLOWANCE-FOREIGN>                                              0
<ALLOWANCE-UNALLOCATED>                                          0
        

</TABLE>
