<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