<ARTICLE>                     9
<LEGEND>
     THE  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL   INFORMATION   EXTRACTED  FROM
     CONSOLIDATED BALANCE SHEETS OF THE VINTAGE BANK AS OF DECEMBER 31, 1998 AND
     1997  AND  THE  RELATED  CONSOLIDATED  STATEMENTS  OF  INCOME,  CHANGES  IN
     SHAREHOLDERS'  EQUITY  AND CASH  FLOWS FOR EACH OF THE  THREE  YEARS IN THE
     PERIOD  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-START>                          JAN-01-1998
<PERIOD-END>                            DEC-31-1998
<CASH>                                  8,402
<INT-BEARING-DEPOSITS>                  200
<FED-FUNDS-SOLD>                        6,000
<TRADING-ASSETS>                        0
<INVESTMENTS-HELD-FOR-SALE>             47,506
<INVESTMENTS-CARRYING>                  13,512
<INVESTMENTS-MARKET>                    13,757
<LOANS>                                 96,527
<ALLOWANCE>                             1,752
<TOTAL-ASSETS>                          180,291
<DEPOSITS>                              162,173
<SHORT-TERM>                            0
<LIABILITIES-OTHER>                     1,208
<LONG-TERM>                             0
<PREFERRED-MANDATORY>                   0
<PREFERRED>                             0
<COMMON>                                11,004
<OTHER-SE>                              5,906
<TOTAL-LIABILITIES-AND-EQUITY>          180,291
<INTEREST-LOAN>                         8,465
<INTEREST-INVEST>                       2,969
<INTEREST-OTHER>                        472
<INTEREST-TOTAL>                        11,906
<INTEREST-DEPOSIT>                      3,991
<INTEREST-EXPENSE>                      3,992
<INTEREST-INCOME-NET>                   7,914
<LOAN-LOSSES>                           240
<SECURITIES-GAINS>                      65
<EXPENSE-OTHER>                         5,660
<INCOME-PRETAX>                         3,412
<INCOME-PRE-EXTRAORDINARY>              3,412
<EXTRAORDINARY>                         0
<CHANGES>                               0
<NET-INCOME>                            2,111
<EPS-BASIC>                             1.41
<EPS-DILUTED>                           1.37
<YIELD-ACTUAL>                          8.01
<LOANS-NON>                             89
<LOANS-PAST>                            0
<LOANS-TROUBLED>                        0
<LOANS-PROBLEM>                         0
<ALLOWANCE-OPEN>                        1,532
<CHARGE-OFFS>                           59
<RECOVERIES>                            39
<ALLOWANCE-CLOSE>                       1,752
<ALLOWANCE-DOMESTIC>                    1,752
<ALLOWANCE-FOREIGN>                     0
<ALLOWANCE-UNALLOCATED>                 0