<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM 10-K AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
                                                  
<PERIOD-TYPE>                   YEAR                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1998             DEC-31-1997
<PERIOD-START>                             JAN-01-1998             JAN-01-1997
<PERIOD-END>                               DEC-31-1998             DEC-31-1997
<CASH>                                          15,276                  16,503
<INT-BEARING-DEPOSITS>                               0                       0
<FED-FUNDS-SOLD>                                73,028                  13,230
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                     30,869                  31,097
<INVESTMENTS-CARRYING>                          32,503                  27,280
<INVESTMENTS-MARKET>                            33,218                  27,727
<LOANS>                                        233,211                 232,977
<ALLOWANCE>                                      4,424                   4,351
<TOTAL-ASSETS>                                 389,580                 325,420
<DEPOSITS>                                     342,949                 283,150
<SHORT-TERM>                                         0                       0
<LIABILITIES-OTHER>                              4,817                   3,583
<LONG-TERM>                                          0                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                        32,723                  35,149
<OTHER-SE>                                       9,091                   3,538
<TOTAL-LIABILITIES-AND-EQUITY>                 389,580                 325,420
<INTEREST-LOAN>                                 22,412                  21,390
<INTEREST-INVEST>                                3,560                   4,208
<INTEREST-OTHER>                                 2,837                     434
<INTEREST-TOTAL>                                28,809                  26,032
<INTEREST-DEPOSIT>                               8,770                   7,307
<INTEREST-EXPENSE>                               8,770                   7,346
<INTEREST-INCOME-NET>                           20,039                  18,686
<LOAN-LOSSES>                                      150                     100
<SECURITIES-GAINS>                                   0                       0
<EXPENSE-OTHER>                                 12,511                  11,920
<INCOME-PRETAX>                                  9,160                   7,660
<INCOME-PRE-EXTRAORDINARY>                       9,160                   7,660
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     5,510                   4,725
<EPS-PRIMARY>                                     1.21                    1.02
<EPS-DILUTED>                                     1.15                    0.98
<YIELD-ACTUAL>                                    .061                    .067
<LOANS-NON>                                        208                   3,465
<LOANS-PAST>                                       112                     496
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                 4,351                   4,969
<CHARGE-OFFS>                                      835                   1,346
<RECOVERIES>                                       758                     528
<ALLOWANCE-CLOSE>                                4,424                   4,351
<ALLOWANCE-DOMESTIC>                             4,424                   4,351
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                          1,444                   1,492