<ARTICLE>                                            9
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<PERIOD-TYPE>                                                               YEAR
<FISCAL-YEAR-END>                                                    DEC-31-1998
<PERIOD-START>                                                       JAN-01-1998
<PERIOD-END>                                                         DEC-31-1998
<CASH>                                                                    13,206
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<FED-FUNDS-SOLD>                                                               0
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<LOAN-LOSSES>                                                                250
<SECURITIES-GAINS>                                                            12
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<EPS-DILUTED>                                                               1.19
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<CHARGE-OFFS>                                                                 70
<RECOVERIES>                                                                   7
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<ALLOWANCE-DOMESTIC>                                                           0
<ALLOWANCE-FOREIGN>                                                            0
<ALLOWANCE-UNALLOCATED>                                                    1,783