<ARTICLE> 9

                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               DEC-31-1998
<CASH>                                          11,291
<INT-BEARING-DEPOSITS>                           1,880
<FED-FUNDS-SOLD>                                 1,069
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     53,712
<INVESTMENTS-CARRYING>                          30,616
<INVESTMENTS-MARKET>                            30,817
<LOANS>                                        293,113
<ALLOWANCE>                                      2,665
<TOTAL-ASSETS>                                 402,623
<DEPOSITS>                                     342,267
<SHORT-TERM>                                    20,807
<LIABILITIES-OTHER>                              2,059
<LONG-TERM>                                      7,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        30,490
<OTHER-SE>                                           0
<TOTAL-LIABILITIES-AND-EQUITY>                 402,623
<INTEREST-LOAN>                                 23,645
<INTEREST-INVEST>                                4,614
<INTEREST-OTHER>                                   372
<INTEREST-TOTAL>                                28,631
<INTEREST-DEPOSIT>                              12,662
<INTEREST-EXPENSE>                              13,292
<INTEREST-INCOME-NET>                           15,339
<LOAN-LOSSES>                                       41
<SECURITIES-GAINS>                                 141
<EXPENSE-OTHER>                                 12,200
<INCOME-PRETAX>                                  5,525
<INCOME-PRE-EXTRAORDINARY>                       5,525
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,377
<EPS-BASIC>                                        .82
<EPS-DILUTED>                                      .79
<YIELD-ACTUAL>                                    4.22
<LOANS-NON>                                        797
<LOANS-PAST>                                       231
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  1,028
<ALLOWANCE-OPEN>                                 3,057
<CHARGE-OFFS>                                      518
<RECOVERIES>                                        85
<ALLOWANCE-CLOSE>                                2,665
<ALLOWANCE-DOMESTIC>                             2,665
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0