<ARTICLE> 9 
<MULTIPLIER> 1,000
       
                                                  
<PERIOD-TYPE>                   12-MOS                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1998             DEC-31-1997
<PERIOD-END>                               DEC-31-1998             DEC-31-1997
<CASH>                                          14,223                  13,771
<INT-BEARING-DEPOSITS>                               0                       0
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<INTEREST-DEPOSIT>                              12,816                  11,057
<INTEREST-EXPENSE>                              15,215                  12,740
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<LOAN-LOSSES>                                      958                     699
<SECURITIES-GAINS>                                  42                      93
<EXPENSE-OTHER>                                 12,943                  10,518
<INCOME-PRETAX>                                  6,315                   6,406
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<NET-INCOME>                                     4,223                   4,246
<EPS-PRIMARY>                                     1.34                    1.42
<EPS-DILUTED>                                     1.34                    1.42
<YIELD-ACTUAL>                                    4.16                    4.54
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