<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>