<ARTICLE>                                            9

<LEGEND>
THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL   INFORMATION  EXTRACTED  FROM  THE
REGISTRATION  STATEMENT ON FORM 10 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>                                          10,767
<INT-BEARING-DEPOSITS>                           7,197
<FED-FUNDS-SOLD>                                25,432
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    117,470
<INVESTMENTS-CARRYING>                           2,569
<INVESTMENTS-MARKET>                             2,555
<LOANS>                                        236,076
<ALLOWANCE>                                      2,228
<TOTAL-ASSETS>                                 412,366
<DEPOSITS>                                     356,383
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              3,782
<LONG-TERM>                                     14,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         3,780
<OTHER-SE>                                      34,421
<TOTAL-LIABILITIES-AND-EQUITY>                 412,366
<INTEREST-LOAN>                                 19,019
<INTEREST-INVEST>                                7,749
<INTEREST-OTHER>                                   760
<INTEREST-TOTAL>                                27,528
<INTEREST-DEPOSIT>                              12,174
<INTEREST-EXPENSE>                                 412
<INTEREST-INCOME-NET>                           14,942
<LOAN-LOSSES>                                      300
<SECURITIES-GAINS>                                  40
<EXPENSE-OTHER>                                  8,438
<INCOME-PRETAX>                                  8,538
<INCOME-PRE-EXTRAORDINARY>                       8,538 
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     5,801
<EPS-PRIMARY>                                     1.92
<EPS-DILUTED>                                     1.92
<YIELD-ACTUAL>                                    3.26
<LOANS-NON>                                         13
<LOANS-PAST>                                     1,428
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 2,340
<CHARGE-OFFS>                                      526
<RECOVERIES>                                       114
<ALLOWANCE-CLOSE>                                2,228
<ALLOWANCE-DOMESTIC>                             2,228
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0