<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-START> JAN-01-1998 <PERIOD-END> DEC-31-1998 <CASH> 22,558 <INT-BEARING-DEPOSITS> 124,000 <FED-FUNDS-SOLD> 32,827 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 27,369 <INVESTMENTS-CARRYING> 56,605 <INVESTMENTS-MARKET> 57,191 <LOANS> 224,888 <ALLOWANCE> 4,428 <TOTAL-ASSETS> 503,912 <DEPOSITS> 190,982 <SHORT-TERM> 323 <LIABILITIES-OTHER> 4,685 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 2,000 <OTHER-SE> 55,404 <TOTAL-LIABILITIES-AND-EQUITY> 503,912 <INTEREST-LOAN> 17,579 <INTEREST-INVEST> 6,607 <INTEREST-OTHER> 5,858 <INTEREST-TOTAL> 30,044 <INTEREST-DEPOSIT> 4,271 <INTEREST-EXPENSE> 4,281 <INTEREST-INCOME-NET> 25,763 <LOAN-LOSSES> 0 <SECURITIES-GAINS> 285 <EXPENSE-OTHER> 36,625 <INCOME-PRETAX> 11,585 <INCOME-PRE-EXTRAORDINARY> 11,585 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 7,408 <EPS-PRIMARY> 1.92 <EPS-DILUTED> 1.89 <YIELD-ACTUAL> 5.98 <LOANS-NON> 477 <LOANS-PAST> 179 <LOANS-TROUBLED> 134 <LOANS-PROBLEM> 2,303 <ALLOWANCE-OPEN> 4,484 <CHARGE-OFFS> 365 <RECOVERIES> 309 <ALLOWANCE-CLOSE> 4,428 <ALLOWANCE-DOMESTIC> 4,428 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0