<ARTICLE> 9 <LEGEND> THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE REGISTRANT'S AUDITED ANNUAL FINANCIAL STATEMENTS AND DISCLOSURES FOR THE PERIOD ENDED DECEMBER 31, 1998 AS PRESENTED IN ITS ANNUAL 1998 FORM10-K AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS AND DISCLOSURES. </LEGEND> <MULTIPLIER> 1,000 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-END> DEC-31-1998 <CASH> 27,516 <INT-BEARING-DEPOSITS> 1,304 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 235,294 <INVESTMENTS-CARRYING> 6,661 <INVESTMENTS-MARKET> 6,661 <LOANS> 329,255 <ALLOWANCE> 4,509 <TOTAL-ASSETS> 623,660 <DEPOSITS> 466,139 <SHORT-TERM> 57,487 <LIABILITIES-OTHER> 13,943 <LONG-TERM> 20,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 43 <OTHER-SE> 66,047 <TOTAL-LIABILITIES-AND-EQUITY> 623,660 <INTEREST-LOAN> 27,865 <INTEREST-INVEST> 12,622 <INTEREST-OTHER> 918 <INTEREST-TOTAL> 41,405 <INTEREST-DEPOSIT> 15,247 <INTEREST-EXPENSE> 17,666 <INTEREST-INCOME-NET> 23,739 <LOAN-LOSSES> 800 <SECURITIES-GAINS> 216 <EXPENSE-OTHER> 20,473 <INCOME-PRETAX> 10,683 <INCOME-PRE-EXTRAORDINARY> 7,297 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 7,297 <EPS-PRIMARY> 1.77 <EPS-DILUTED> 1.77 <YIELD-ACTUAL> 4.46 <LOANS-NON> 4,458 <LOANS-PAST> 395 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 4,145 <CHARGE-OFFS> 594 <RECOVERIES> 158 <ALLOWANCE-CLOSE> 4,509 <ALLOWANCE-DOMESTIC> 3,197 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1,312