<ARTICLE>                                         9
<LEGEND>
     This schedule contains summary financial information extracted from
     the Form 10-K for the year ended December 31, 1998 and is qualified
     in its entirety by reference to such financial statements and
     accompanying disclosures.
</LEGEND>
       
                                                

<PERIOD-TYPE>                                  Year
<FISCAL-YEAR-END>                              Dec-31-1998
<PERIOD-END>                                   Dec-31-1998
<CASH>                                         11,239
<INT-BEARING-DEPOSITS>                         0
<FED-FUNDS-SOLD>                               20,085
<TRADING-ASSETS>                               0
<INVESTMENTS-HELD-FOR-SALE>                    35,216
<INVESTMENTS-CARRYING>                         11,173
<INVESTMENTS-MARKET>                           13,843
<LOANS>                                        261,380
<ALLOWANCE>                                    (4,778)
<TOTAL-ASSETS>                                 349,934
<DEPOSITS>                                     302,442
<SHORT-TERM>                                   5,000
<LIABILITIES-OTHER>                            6,188
<LONG-TERM>                                    0
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    0
<COMMON>                                       16,776
<OTHER-SE>                                     18,706
<TOTAL-LIABILITIES-AND-EQUITY>                 349,934
<INTEREST-LOAN>                                24,858
<INTEREST-INVEST>                              4,482
<INTEREST-OTHER>                               (9)
<INTEREST-TOTAL>                               29,331
<INTEREST-DEPOSIT>                             8,766
<INTEREST-EXPENSE>                             9,077
<INTEREST-INCOME-NET>                          20,254
<LOAN-LOSSES>                                  300
<SECURITIES-GAINS>                             (4)
<EXPENSE-OTHER>                                11,497
<INCOME-PRETAX>                                9,516
<INCOME-PRE-EXTRAORDINARY>                     9,516
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   5,541
<EPS-PRIMARY>                                  2.23
<EPS-DILUTED>                                  2.11
<YIELD-ACTUAL>                                 .065
<LOANS-NON>                                    360
<LOANS-PAST>                                   1
<LOANS-TROUBLED>                               63
<LOANS-PROBLEM>                                0
<ALLOWANCE-OPEN>                               4,493
<CHARGE-OFFS>                                  288
<RECOVERIES>                                   71
<ALLOWANCE-CLOSE>                              4,778
<ALLOWANCE-DOMESTIC>                           3,513
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        1,265