<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
YEAR END 10-K AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH 10-K
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               DEC-31-1998
<CASH>                                          14,421
<INT-BEARING-DEPOSITS>                           7,027
<FED-FUNDS-SOLD>                                 5,090
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    136,078
<INVESTMENTS-CARRYING>                          30,676
<INVESTMENTS-MARKET>                            31,151
<LOANS>                                        239,257
<ALLOWANCE>                                      2,679
<TOTAL-ASSETS>                                 445,166
<DEPOSITS>                                     382,696
<SHORT-TERM>                                       214
<LIABILITIES-OTHER>                              1,573
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                            2,180
<PREFERRED>                                          0
<COMMON>                                         9,482
<OTHER-SE>                                      49,021
<TOTAL-LIABILITIES-AND-EQUITY>                 445,166
<INTEREST-LOAN>                                 21,691
<INTEREST-INVEST>                                9,096
<INTEREST-OTHER>                                 1,041
<INTEREST-TOTAL>                                31,828
<INTEREST-DEPOSIT>                              13,917
<INTEREST-EXPENSE>                              13,928
<INTEREST-INCOME-NET>                           17,900
<LOAN-LOSSES>                                      624
<SECURITIES-GAINS>                                 188
<EXPENSE-OTHER>                                 11,061
<INCOME-PRETAX>                                  9,389
<INCOME-PRE-EXTRAORDINARY>                       9,389
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     6,798
<EPS-PRIMARY>                                     1.79
<EPS-DILUTED>                                     1.79
<YIELD-ACTUAL>                                    4.75
<LOANS-NON>                                         28
<LOANS-PAST>                                       550
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    373
<ALLOWANCE-OPEN>                                 2,438
<CHARGE-OFFS>                                      638
<RECOVERIES>                                       255
<ALLOWANCE-CLOSE>                                2,679
<ALLOWANCE-DOMESTIC>                             2,679
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,887