<ARTICLE> 9 <LEGEND> THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM 1998 ANNUAL REPORT </LEGEND> <MULTIPLIER> 1000 <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-START> JAN-01-1998 <PERIOD-END> DEC-31-1998 <CASH> 2695 <INT-BEARING-DEPOSITS> 26 <FED-FUNDS-SOLD> 600 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 5320 <INVESTMENTS-CARRYING> 6276 <INVESTMENTS-MARKET> 6484 <LOANS> 81915 <ALLOWANCE> 1011 <TOTAL-ASSETS> 100229 <DEPOSITS> 72389 <SHORT-TERM> 0 <LIABILITIES-OTHER> 1250 <LONG-TERM> 15593 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 2976 <OTHER-SE> 8021 <TOTAL-LIABILITIES-AND-EQUITY> 100229 <INTEREST-LOAN> 5870 <INTEREST-INVEST> 824 <INTEREST-OTHER> 186 <INTEREST-TOTAL> 6880 <INTEREST-DEPOSIT> 2472 <INTEREST-EXPENSE> 3125 <INTEREST-INCOME-NET> 3755 <LOAN-LOSSES> (23) <SECURITIES-GAINS> (18) <EXPENSE-OTHER> 2461 <INCOME-PRETAX> 1882 <INCOME-PRE-EXTRAORDINARY> 1334 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1334 <EPS-PRIMARY> 2.24 <EPS-DILUTED> 2.22 <YIELD-ACTUAL> 4.50 <LOANS-NON> 243 <LOANS-PAST> 130 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1035 <CHARGE-OFFS> 30 <RECOVERIES> 29 <ALLOWANCE-CLOSE> 1011 <ALLOWANCE-DOMESTIC> 617 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 394