<ARTICLE> 9
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               DEC-31-1998
<CASH>                                          22,073
<INT-BEARING-DEPOSITS>                           8,398
<FED-FUNDS-SOLD>                                 8,295
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     58,800
<INVESTMENTS-CARRYING>                          18,480
<INVESTMENTS-MARKET>                            19,223
<LOANS>                                        358,334
<ALLOWANCE>                                      5,504
<TOTAL-ASSETS>                                 491,838
<DEPOSITS>                                     440,266
<SHORT-TERM>                                     6,000
<LIABILITIES-OTHER>                              5,078
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        15,106
<OTHER-SE>                                      25,388
<TOTAL-LIABILITIES-AND-EQUITY>                 491,838
<INTEREST-LOAN>                                 30,186
<INTEREST-INVEST>                                3,933
<INTEREST-OTHER>                                 1,225
<INTEREST-TOTAL>                                35,344
<INTEREST-DEPOSIT>                              14,213
<INTEREST-EXPENSE>                              14,356
<INTEREST-INCOME-NET>                           20,988
<LOAN-LOSSES>                                      990
<SECURITIES-GAINS>                                  29
<EXPENSE-OTHER>                                 15,912
<INCOME-PRETAX>                                  8,742
<INCOME-PRE-EXTRAORDINARY>                       8,742
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     5,683
<EPS-PRIMARY>                                     1.88
<EPS-DILUTED>                                     1.83
<YIELD-ACTUAL>                                    5.24
<LOANS-NON>                                        601
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                   248
<LOANS-PROBLEM>                                  1,300
<ALLOWANCE-OPEN>                                 4,779
<CHARGE-OFFS>                                      434
<RECOVERIES>                                       169
<ALLOWANCE-CLOSE>                                5,504
<ALLOWANCE-DOMESTIC>                             4,220
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,284