<ARTICLE> 9
<LEGEND>
This schedule contains summary financial informationi extracted from SEC form
10-K and is qualified in its entirety by reference to such financial statements.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               DEC-31-1998
<CASH>                                          12,102
<INT-BEARING-DEPOSITS>                          14,728
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    164,019
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        240,049
<ALLOWANCE>                                      4,989
<TOTAL-ASSETS>                                 450,073
<DEPOSITS>                                     326,645
<SHORT-TERM>                                        12
<LIABILITIES-OTHER>                              7,001
<LONG-TERM>                                     55,147
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            36
<OTHER-SE>                                      60,532
<TOTAL-LIABILITIES-AND-EQUITY>                 450,073
<INTEREST-LOAN>                                 29,397
<INTEREST-INVEST>                               13,761
<INTEREST-OTHER>                                    97
<INTEREST-TOTAL>                                43,255
<INTEREST-DEPOSIT>                              12,496
<INTEREST-EXPENSE>                              15,518
<INTEREST-INCOME-NET>                           27,737
<LOAN-LOSSES>                                    3,187
<SECURITIES-GAINS>                                 411
<EXPENSE-OTHER>                                 17,008
<INCOME-PRETAX>                                 12,100
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     8,579
<EPS-PRIMARY>                                     2.42
<EPS-DILUTED>                                     2.40
<YIELD-ACTUAL>                                     6.8
<LOANS-NON>                                      3,460
<LOANS-PAST>                                     5,070
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 4,046
<CHARGE-OFFS>                                    2,589
<RECOVERIES>                                       345
<ALLOWANCE-CLOSE>                                4,989
<ALLOWANCE-DOMESTIC>                             4,989
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0