<ARTICLE> 9 <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-END> DEC-31-1998 <CASH> 14345000 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 2300000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 45655000 <INVESTMENTS-CARRYING> 13592000 <INVESTMENTS-MARKET> 13797000 <LOANS> 186977000 <ALLOWANCE> 3919000 <TOTAL-ASSETS> 264899000 <DEPOSITS> 238140000 <SHORT-TERM> 0 <LIABILITIES-OTHER> 2416000 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 19002000 <OTHER-SE> 5341000 <TOTAL-LIABILITIES-AND-EQUITY> 264899000 <INTEREST-LOAN> 18020000 <INTEREST-INVEST> 3202000 <INTEREST-OTHER> 640000 <INTEREST-TOTAL> 21862000 <INTEREST-DEPOSIT> 6770000 <INTEREST-EXPENSE> 6774000 <INTEREST-INCOME-NET> 15088000 <LOAN-LOSSES> 825000 <SECURITIES-GAINS> 216000 <EXPENSE-OTHER> 12762000 <INCOME-PRETAX> 6907000 <INCOME-PRE-EXTRAORDINARY> 6907000 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 4228000 <EPS-PRIMARY> 1.70 <EPS-DILUTED> 1.44 <YIELD-ACTUAL> 6.56 <LOANS-NON> 2176000 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 2284000 <ALLOWANCE-OPEN> 2936000 <CHARGE-OFFS> 113000 <RECOVERIES> 271000 <ALLOWANCE-CLOSE> 3919000 <ALLOWANCE-DOMESTIC> 2453000 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1466000