<ARTICLE> 9 <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-START> JAN-01-1998 <PERIOD-END> DEC-31-1998 <CASH> 5,285 <INT-BEARING-DEPOSITS> 5,341 <FED-FUNDS-SOLD> 12,475 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 100,121 <INVESTMENTS-CARRYING> 7,682 <INVESTMENTS-MARKET> 0 <LOANS> 288,389 <ALLOWANCE> 3,100 <TOTAL-ASSETS> 436,852 <DEPOSITS> 370,814 <SHORT-TERM> 386 <LIABILITIES-OTHER> 4,879 <LONG-TERM> 15,992 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 6,912 <OTHER-SE> 37,869 <TOTAL-LIABILITIES-AND-EQUITY> 436,852 <INTEREST-LOAN> 23,466 <INTEREST-INVEST> 5,360 <INTEREST-OTHER> 274 <INTEREST-TOTAL> 29,100 <INTEREST-DEPOSIT> 12,562 <INTEREST-EXPENSE> 934 <INTEREST-INCOME-NET> 13,496 <LOAN-LOSSES> 675 <SECURITIES-GAINS> 350 <EXPENSE-OTHER> 11,527 <INCOME-PRETAX> 6,429 <INCOME-PRE-EXTRAORDINARY> 4,747 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 4,747 <EPS-PRIMARY> 1.38 <EPS-DILUTED> 1.38 <YIELD-ACTUAL> 8.01 <LOANS-NON> 120 <LOANS-PAST> 1,408 <LOANS-TROUBLED> 538 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,849 <CHARGE-OFFS> 559 <RECOVERIES> 135 <ALLOWANCE-CLOSE> 3,100 <ALLOWANCE-DOMESTIC> 3,100 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1,551