<ARTICLE> 9 <MULTIPLIER> 1,000 <CURRENCY> U.S. DOLLARS <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-START> JAN-01-1998 <PERIOD-END> DEC-31-1998 <EXCHANGE-RATE> 1 <CASH> 7,497 <INT-BEARING-DEPOSITS> 4,542 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 103,294 <INVESTMENTS-CARRYING> 6,544 <INVESTMENTS-MARKET> 6,784 <LOANS> 267,667 <ALLOWANCE> 4,023 <TOTAL-ASSETS> 397,065 <DEPOSITS> 347,012 <SHORT-TERM> 5,003 <LIABILITIES-OTHER> 2,458 <LONG-TERM> 2,671 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 809 <OTHER-SE> 39,112 <TOTAL-LIABILITIES-AND-EQUITY> 397,065 <INTEREST-LOAN> 22,434 <INTEREST-INVEST> 6,819 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 29,253 <INTEREST-DEPOSIT> 11,833 <INTEREST-EXPENSE> 12,060 <INTEREST-INCOME-NET> 17,193 <LOAN-LOSSES> (91) <SECURITIES-GAINS> 188 <EXPENSE-OTHER> 10,099 <INCOME-PRETAX> 8,628 <INCOME-PRE-EXTRAORDINARY> 8,628 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 5,904 <EPS-PRIMARY> 0.75 <EPS-DILUTED> 0.72 <YIELD-ACTUAL> 4.79 <LOANS-NON> 475,000 <LOANS-PAST> 163,000 <LOANS-TROUBLED> 710,000 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 4,066 <CHARGE-OFFS> 98 <RECOVERIES> 146 <ALLOWANCE-CLOSE> 4,023 <ALLOWANCE-DOMESTIC> 4,023 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0