<ARTICLE> 9 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-END> DEC-31-1998 <CASH> 8,140 <INT-BEARING-DEPOSITS> 333 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 21,888 <INVESTMENTS-CARRYING> 38,810 <INVESTMENTS-MARKET> 40,865 <LOANS> 172,679 <ALLOWANCE> 2,760 <TOTAL-ASSETS> 320,864 <DEPOSITS> 251,673 <SHORT-TERM> 14,661 <LIABILITIES-OTHER> 7,284 <LONG-TERM> 10,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 3,867 <OTHER-SE> 0 <TOTAL-LIABILITIES-AND-EQUITY> 320,864 <INTEREST-LOAN> 17,790 <INTEREST-INVEST> 4,828 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 22,618 <INTEREST-DEPOSIT> 8,189 <INTEREST-EXPENSE> 9,558 <INTEREST-INCOME-NET> 13,059 <LOAN-LOSSES> 600 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 14,982 <INCOME-PRETAX> 8,487 <INCOME-PRE-EXTRAORDINARY> 8,487 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 6,134 <EPS-PRIMARY> 1.59 <EPS-DILUTED> 1.56 <YIELD-ACTUAL> 8.39 <LOANS-NON> 463 <LOANS-PAST> 958 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,234 <CHARGE-OFFS> 99 <RECOVERIES> 25 <ALLOWANCE-CLOSE> 2,760 <ALLOWANCE-DOMESTIC> 2,760 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0