<ARTICLE> 9
<MULTIPLIER> 1000
<PERIOD-TYPE> 3-MOS 6-MOS 9-MOS 12-MOS YEAR
<FISCAL-YEAR-END> DEC-31-1998 DEC-31-1998 DEC-31-1998 DEC-31-1998 DEC-31-1998
<PERIOD-START> JAN-01-1998 APR-01-1998 JUL-01-1998 OCT-01-1998 JAN-01-1998
<PERIOD-END> MAR-31-1998 JUN-30-1998 SEP-01-1998 DEC-31-1998 DEC-31-1998
<CASH> $13,979 $13,043 $12,538 $14,072 $14,072
<INT-BEARING-DEPOSITS> 20 80 16,431 706 706
<FED-FUNDS-SOLD> 0 0 0 0 0
<TRADING-ASSETS> 0 0 0 0 0
<INVESTMENTS-HELD-FOR-SALE> 86,311 84,352 89,152 105,536 105,536
<INVESTMENTS-CARRYING> 61,311 60,715 63,258 57,877 57,877
<INVESTMENTS-MARKET> 62,227 61,685 64,838 59,207 59,207
<LOANS> 258,779 260,455 264,980 269,677 269,677
<ALLOWANCE> 3,465 3,637 3,739 3,821 3,821
<TOTAL-ASSETS> 432,233 430,555 458,188 460,383 460,383
<DEPOSITS> 353,903 347,629 357,927 358,325 358,325
<SHORT-TERM> 0 6,025 0 0 0
<LIABILITIES-OTHER> 27,278 21,795 33,405 34,197 34,197
<LONG-TERM> 0 3,000 13,000 13,000 13,000
<PREFERRED-MANDATORY> 0 0 0 0 0
<PREFERRED> 0 0 0 0 0
<COMMON> 3,052 3,052 3,052 3,052 3,052
<OTHER-SE> 48,000 49,054 50,804 51,809 51,809
<TOTAL-LIABILITIES-AND-EQUITY> 432,233 430,555 458,188 460,383 460,383
<INTEREST-LOAN> 5,743 5,822 5,898 5,893 23,356
<INTEREST-INVEST> 2,185 2,259 2,252 2,330 9,026
<INTEREST-OTHER> 43 12 94 123 272
<INTEREST-TOTAL> 7,971 8,093 8,244 8,346 32,654
<INTEREST-DEPOSIT> 3,263 3,266 3,276 3,154 12,959
<INTEREST-EXPENSE> 3,532 3,587 3,702 3,651 14,472
<INTEREST-INCOME-NET> 4,439 4,506 4,542 4,695 18,182
<LOAN-LOSSES> 252 223 203 249 927
<SECURITIES-GAINS> 0 0 0 0 18
<EXPENSE-OTHER> 2,673 2,748 2,692 2,850 10,963
<INCOME-PRETAX> 2,410 2,515 2,636 2,760 10,321
<INCOME-PRE-EXTRAORDINARY> 2,410 2,515 2,636 2,760 10,321
<EXTRAORDINARY> 0 0 0 0 0
<CHANGES> 0 0 0 0 0
<NET-INCOME> 1,661 1,751 1,827 1,959 7,198
<EPS-PRIMARY> .54 .58 .60 .64 2.36
<EPS-DILUTED> .54 .58 .60 .64 2.36
<YIELD-ACTUAL> 4.55 4.55 4.45 4.53 4.52
<LOANS-NON> 107 99 274 190 190
<LOANS-PAST> 205 38 256 249 249
<LOANS-TROUBLED> 0 0 0 0 0
<LOANS-PROBLEM> 0 0 0 0 0
<ALLOWANCE-OPEN> 3,277 3,465 3,637 3,739 3,277
<CHARGE-OFFS> 103 78 132 195 508
<RECOVERIES> 39 27 31 28 125
<ALLOWANCE-CLOSE> 3,465 3,637 3,739 3,821 3,821
<ALLOWANCE-DOMESTIC> 2,416 2,511 2,441 2,722 2,722
<ALLOWANCE-FOREIGN> 0 0 0 0 0
<ALLOWANCE-UNALLOCATED> 1,049 1,126 1,298 1,099 1,099