<ARTICLE> 9
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               DEC-31-1998
<CASH>                                          12,284
<INT-BEARING-DEPOSITS>                             619
<FED-FUNDS-SOLD>                                 7,825
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     54,720
<INVESTMENTS-CARRYING>                          68,785
<INVESTMENTS-MARKET>                            69,444
<LOANS>                                        191,962
<ALLOWANCE>                                      2,477
<TOTAL-ASSETS>                                 343,857
<DEPOSITS>                                     293,890
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              3,987
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         2,332
<OTHER-SE>                                      43,648
<TOTAL-LIABILITIES-AND-EQUITY>                 343,857
<INTEREST-LOAN>                                 17,410
<INTEREST-INVEST>                                6,762
<INTEREST-OTHER>                                   692
<INTEREST-TOTAL>                                24,864
<INTEREST-DEPOSIT>                              12,136
<INTEREST-EXPENSE>                              12,136
<INTEREST-INCOME-NET>                           12,728
<LOAN-LOSSES>                                      210
<SECURITIES-GAINS>                                 212
<EXPENSE-OTHER>                                  7,986
<INCOME-PRETAX>                                  5,714
<INCOME-PRE-EXTRAORDINARY>                       5,714
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     4,401
<EPS-PRIMARY>                                     1.90
<EPS-DILUTED>                                     1.90
<YIELD-ACTUAL>                                    7.70
<LOANS-NON>                                          0
<LOANS-PAST>                                       386
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    772
<ALLOWANCE-OPEN>                                 2,389
<CHARGE-OFFS>                                      142
<RECOVERIES>                                        20
<ALLOWANCE-CLOSE>                                2,477
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0