<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE ANNUAL
REPORT FOR THE YEAR ENDED DECEMBER 31, 1998 AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               DEC-31-1998
<CASH>                                           3,773
<INT-BEARING-DEPOSITS>                           1,533
<FED-FUNDS-SOLD>                                 2,463
<TRADING-ASSETS>                                 3,802
<INVESTMENTS-HELD-FOR-SALE>                     12,075
<INVESTMENTS-CARRYING>                             459
<INVESTMENTS-MARKET>                               464
<LOANS>                                         42,806
<ALLOWANCE>                                      (754)
<TOTAL-ASSETS>                                  73,513
<DEPOSITS>                                      48,500
<SHORT-TERM>                                     9,581
<LIABILITIES-OTHER>                              2,254
<LONG-TERM>                                      5,874<F1>
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           307
<OTHER-SE>                                       4,510
<TOTAL-LIABILITIES-AND-EQUITY>                  73,513
<INTEREST-LOAN>                                  4,259
<INTEREST-INVEST>                                  780
<INTEREST-OTHER>                                   538
<INTEREST-TOTAL>                                 5,577
<INTEREST-DEPOSIT>                               1,871
<INTEREST-EXPENSE>                               3,050
<INTEREST-INCOME-NET>                            2,527
<LOAN-LOSSES>                                      380
<SECURITIES-GAINS>                                  41
<EXPENSE-OTHER>                                    882
<INCOME-PRETAX>                                  1,269
<INCOME-PRE-EXTRAORDINARY>                       1,269
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       792
<EPS-PRIMARY>                                     2.66
<EPS-DILUTED>                                     2.64
<YIELD-ACTUAL>                                    4.09
<LOANS-NON>                                        375
<LOANS-PAST>                                        41
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   712
<CHARGE-OFFS>                                    (441)
<RECOVERIES>                                        77
<ALLOWANCE-CLOSE>                                  754
<ALLOWANCE-DOMESTIC>                               497
<ALLOWANCE-FOREIGN>                                227
<ALLOWANCE-UNALLOCATED>                             30
<FN>
<F1>INCLUDES GUARANTEED PREFERRED BENEFICIAL INTERESTS IN THE CORPORATION'S JUNIOR
SUBORDINATED DEBENTURES.
</FN>