<ARTICLE> 9 <LEGEND> THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE ANNUAL REPORT ON FORM 10-K AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL INFORMATION. </LEGEND> <MULTIPLIER> 1000 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-END> DEC-31-1998 <CASH> 42,703 <INT-BEARING-DEPOSITS> 2,238 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 84,327 <INVESTMENTS-CARRYING> 346,186 <INVESTMENTS-MARKET> 347,981 <LOANS> 242,866 <ALLOWANCE> 1,909 <TOTAL-ASSETS> 665,608 <DEPOSITS> 438,913 <SHORT-TERM> 30,000 <LIABILITIES-OTHER> 10,676 <LONG-TERM> 133,359 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 529 <OTHER-SE> 52,131 <TOTAL-LIABILITIES-AND-EQUITY> 665,608 <INTEREST-LOAN> 18,657 <INTEREST-INVEST> 23,275 <INTEREST-OTHER> 1,647 <INTEREST-TOTAL> 43,579 <INTEREST-DEPOSIT> 17,397 <INTEREST-EXPENSE> 8,798 <INTEREST-INCOME-NET> 17,384 <LOAN-LOSSES> 60 <SECURITIES-GAINS> 349 <EXPENSE-OTHER> 12,766 <INCOME-PRETAX> 6,137 <INCOME-PRE-EXTRAORDINARY> 3,830 <EXTRAORDINARY> 0 <CHANGES> 208 <NET-INCOME> 4,038 <EPS-PRIMARY> 1.39 <EPS-DILUTED> 1.26 <YIELD-ACTUAL> 2.71 <LOANS-NON> 1,602 <LOANS-PAST> 1,602 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,029 <CHARGE-OFFS> 180 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 1,909 <ALLOWANCE-DOMESTIC> 1,909 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1,909