<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
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<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
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<INVESTMENTS-MARKET>                             6,784
<LOANS>                                        267,667
<ALLOWANCE>                                      4,023
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<DEPOSITS>                                     347,012
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<OTHER-SE>                                      39,112
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<INTEREST-INVEST>                                6,819
<INTEREST-OTHER>                                     0
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<INTEREST-EXPENSE>                              12,060
<INTEREST-INCOME-NET>                           17,193
<LOAN-LOSSES>                                     (91)
<SECURITIES-GAINS>                                 188
<EXPENSE-OTHER>                                 10,099
<INCOME-PRETAX>                                  8,628
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<LOANS-NON>                                    475,000
<LOANS-PAST>                                   163,000
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<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 4,066
<CHARGE-OFFS>                                       98
<RECOVERIES>                                       146
<ALLOWANCE-CLOSE>                                4,023
<ALLOWANCE-DOMESTIC>                             4,023
<ALLOWANCE-FOREIGN>                                  0
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