<ARTICLE>                                            9
<MULTIPLIER>                                     1,000   
       
                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>               DEC-31-1998
<PERIOD-END>                    DEC-31-1998
<CASH>                               12,342
<INT-BEARING-DEPOSITS>                  795
<FED-FUNDS-SOLD>                        375
<TRADING-ASSETS>                          0
<INVESTMENTS-HELD-FOR-SALE>          26,255
<INVESTMENTS-CARRYING>               45,369
<INVESTMENTS-MARKET>                 46,319
<LOANS>                             347,130
<ALLOWANCE>                           4,277
<TOTAL-ASSETS>                      447,448
<DEPOSITS>                          327,317
<SHORT-TERM>                         40,673
<LIABILITIES-OTHER>                   4,642
<LONG-TERM>                          34,136
<PREFERRED-MANDATORY>                     0
<PREFERRED>                               0
<COMMON>                              2,818         
<OTHER-SE>                           37,862
<TOTAL-LIABILITIES-AND-EQUITY>      447,448
<INTEREST-LOAN>                      30,550
<INTEREST-INVEST>                     4,251
<INTEREST-OTHER>                        390
<INTEREST-TOTAL>                     35,191
<INTEREST-DEPOSIT>                   13,489
<INTEREST-EXPENSE>                   15,691
<INTEREST-INCOME-NET>                19,500
<LOAN-LOSSES>                         2,295
<SECURITIES-GAINS>                      442
<EXPENSE-OTHER>                      14,201
<INCOME-PRETAX>                       5,764
<INCOME-PRE-EXTRAORDINARY>            5,764
<EXTRAORDINARY>                           0
<CHANGES>                                 0
<NET-INCOME>                          4,130<F1>
<EPS-PRIMARY>                          1.47<F1>
<EPS-DILUTED>                          1.47
<YIELD-ACTUAL>                         5.42
<LOANS-NON>                             981
<LOANS-PAST>                          2,106
<LOANS-TROUBLED>                          0
<LOANS-PROBLEM>                         275
<ALLOWANCE-OPEN>                      3,390
<CHARGE-OFFS>                         1,673
<RECOVERIES>                            265 
<ALLOWANCE-CLOSE>                     4,277
<ALLOWANCE-DOMESTIC>                  2,756
<ALLOWANCE-FOREIGN>                       0
<ALLOWANCE-UNALLOCATED>               1,521
<FN>
<F1> 
In April 1998, the Board of Directors declared a 50% stock
split effective April 20, 1998, and prior Financial Data Schedules
have not been restated for the recapitalization.
</FN>