<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