<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