<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM CONSOLIDATED
BALANCE SHEET AND CONSOLIDATED INCOME STATEMENT AND IS QUALIFIED IN ITS ENTIRETY
BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               DEC-31-1998
<CASH>                                          10,864
<INT-BEARING-DEPOSITS>                         271,115
<FED-FUNDS-SOLD>                                10,658
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     42,000
<INVESTMENTS-CARRYING>                          39,333
<INVESTMENTS-MARKET>                            40,308
<LOANS>                                        239,665
<ALLOWANCE>                                      3,860
<TOTAL-ASSETS>                                 347,995
<DEPOSITS>                                     304,330
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              1,408
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        10,286
<OTHER-SE>                                      31,971
<TOTAL-LIABILITIES-AND-EQUITY>                 347,995
<INTEREST-LOAN>                                 21,412
<INTEREST-INVEST>                                4,485
<INTEREST-OTHER>                                   773
<INTEREST-TOTAL>                                26,670
<INTEREST-DEPOSIT>                              11,846
<INTEREST-EXPENSE>                              11,846
<INTEREST-INCOME-NET>                           14,824
<LOAN-LOSSES>                                      449
<SECURITIES-GAINS>                                   8
<EXPENSE-OTHER>                                  8,442
<INCOME-PRETAX>                                  7,705
<INCOME-PRE-EXTRAORDINARY>                       5,617
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     5,617
<EPS-PRIMARY>                                     1.08
<EPS-DILUTED>                                     1.08
<YIELD-ACTUAL>                                    4.39
<LOANS-NON>                                      1,626
<LOANS-PAST>                                     1,190
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    922
<ALLOWANCE-OPEN>                                 3,868
<CHARGE-OFFS>                                      667
<RECOVERIES>                                       210
<ALLOWANCE-CLOSE>                                3,860
<ALLOWANCE-DOMESTIC>                             3,860
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0