<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-END> DEC-31-1998 <CASH> 6549 <INT-BEARING-DEPOSITS> 1789 <FED-FUNDS-SOLD> 14450 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 30811 <INVESTMENTS-CARRYING> 9304 <INVESTMENTS-MARKET> 9474 <LOANS> 74563 <ALLOWANCE> 716 <TOTAL-ASSETS> 144802 <DEPOSITS> 103415 <SHORT-TERM> 2025 <LIABILITIES-OTHER> 1433 <LONG-TERM> 22672 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 4684 <OTHER-SE> 10573 <TOTAL-LIABILITIES-AND-EQUITY> 144802 <INTEREST-LOAN> 6394 <INTEREST-INVEST> 3186 <INTEREST-OTHER> 169 <INTEREST-TOTAL> 9749 <INTEREST-DEPOSIT> 3001 <INTEREST-EXPENSE> 4400 <INTEREST-INCOME-NET> 5349 <LOAN-LOSSES> 136 <SECURITIES-GAINS> 154 <EXPENSE-OTHER> 2965 <INCOME-PRETAX> 3013 <INCOME-PRE-EXTRAORDINARY> 1948 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1948 <EPS-PRIMARY> 1.19 <EPS-DILUTED> 1.07 <YIELD-ACTUAL> .041 <LOANS-NON> 0 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 2033 <ALLOWANCE-OPEN> 578 <CHARGE-OFFS> 65 <RECOVERIES> 67 <ALLOWANCE-CLOSE> 716 <ALLOWANCE-DOMESTIC> 341 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 375