<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-START> JAN-01-1998 <PERIOD-END> DEC-31-1998 <CASH> 19,810 <INT-BEARING-DEPOSITS> 5,150 <FED-FUNDS-SOLD> 20,372 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 50,976 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 281,185 <ALLOWANCE> 4,100 <TOTAL-ASSETS> 391,840 <DEPOSITS> 342,357 <SHORT-TERM> 0 <LIABILITIES-OTHER> 7,262 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 5,067 <OTHER-SE> 37,154 <TOTAL-LIABILITIES-AND-EQUITY> 391,840 <INTEREST-LOAN> 23,441 <INTEREST-INVEST> 2,173 <INTEREST-OTHER> 824 <INTEREST-TOTAL> 26,438 <INTEREST-DEPOSIT> 5,976 <INTEREST-EXPENSE> 5,976 <INTEREST-INCOME-NET> 20,462 <LOAN-LOSSES> 150 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 24,695 <INCOME-PRETAX> 10,337 <INCOME-PRE-EXTRAORDINARY> 10,337 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 6,857 <EPS-PRIMARY> 1.58 <EPS-DILUTED> 1.51 <YIELD-ACTUAL> 5.99 <LOANS-NON> 493 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 4,074 <CHARGE-OFFS> 243 <RECOVERIES> 119 <ALLOWANCE-CLOSE> 4,100 <ALLOWANCE-DOMESTIC> 970 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 3,130