<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-END> DEC-31-1998 <CASH> 10619 <INT-BEARING-DEPOSITS> 137 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 55420 <INVESTMENTS-CARRYING> 16933 <INVESTMENTS-MARKET> 17855 <LOANS> 212843 <ALLOWANCE> 2734 <TOTAL-ASSETS> 308705 <DEPOSITS> 258740 <SHORT-TERM> 10498 <LIABILITIES-OTHER> 2391 <LONG-TERM> 7704 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 6474 <OTHER-SE> 22898 <TOTAL-LIABILITIES-AND-EQUITY> 308705 <INTEREST-LOAN> 17212 <INTEREST-INVEST> 4309 <INTEREST-OTHER> 462 <INTEREST-TOTAL> 21983 <INTEREST-DEPOSIT> 9788 <INTEREST-EXPENSE> 10667 <INTEREST-INCOME-NET> 11316 <LOAN-LOSSES> 700 <SECURITIES-GAINS> 71 <EXPENSE-OTHER> 8514 <INCOME-PRETAX> 5175 <INCOME-PRE-EXTRAORDINARY> 5175 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3804 <EPS-PRIMARY> 2.72 <EPS-DILUTED> 2.66 <YIELD-ACTUAL> 4.27 <LOANS-NON> 136 <LOANS-PAST> 790 <LOANS-TROUBLED> 147 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2322 <CHARGE-OFFS> 368 <RECOVERIES> 81 <ALLOWANCE-CLOSE> 2735 <ALLOWANCE-DOMESTIC> 2735 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0