<ARTICLE> 9 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-END> DEC-31-1998 <CASH> 18,286 <INT-BEARING-DEPOSITS> 8,901 <FED-FUNDS-SOLD> 485 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 60,963 <INVESTMENTS-CARRYING> 751 <INVESTMENTS-MARKET> 778 <LOANS> 293,114 <ALLOWANCE> 2,946 <TOTAL-ASSETS> 405,041 <DEPOSITS> 358,810 <SHORT-TERM> 0 <LIABILITIES-OTHER> 3,318 <LONG-TERM> 712 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 37,640 <OTHER-SE> 4,561 <TOTAL-LIABILITIES-AND-EQUITY> 405,041 <INTEREST-LOAN> 30,079 <INTEREST-INVEST> 3,730 <INTEREST-OTHER> 925 <INTEREST-TOTAL> 34,734 <INTEREST-DEPOSIT> 12,973 <INTEREST-EXPENSE> 13,718 <INTEREST-INCOME-NET> 21,016 <LOAN-LOSSES> 658 <SECURITIES-GAINS> 134 <EXPENSE-OTHER> 16,360 <INCOME-PRETAX> 7,985 <INCOME-PRE-EXTRAORDINARY> 7,985 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 5,364 <EPS-PRIMARY> 1.08 <EPS-DILUTED> 1.06 <YIELD-ACTUAL> 5.98 <LOANS-NON> 1,481 <LOANS-PAST> 649 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,865 <CHARGE-OFFS> 800 <RECOVERIES> 223 <ALLOWANCE-CLOSE> 2,946 <ALLOWANCE-DOMESTIC> 2,946 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0