<ARTICLE> 9 <LEGEND> THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE CONSOLIDATED BALANCE SHEETS AND CONSOLIDATED STATEMENTS OF INCOME FOUND ON PAGES 40 AND 41 OF THE COMPANY'S 10-K FOR DECEMBER 31, 1998 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS. </LEGEND> <MULTIPLIER> 1,000 <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-START> JAN-01-1998 <PERIOD-END> DEC-31-1998 <CASH> 26,885 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 17,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 17,193 <INVESTMENTS-CARRYING> 26,628 <INVESTMENTS-MARKET> 26,636 <LOANS> 237,702 <ALLOWANCE> 3,592 <TOTAL-ASSETS> 337,413 <DEPOSITS> 303,059 <SHORT-TERM> 1,551 <LIABILITIES-OTHER> 2,416 <LONG-TERM> 387 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 19,127 <OTHER-SE> 10,873 <TOTAL-LIABILITIES-AND-EQUITY> 337,413 <INTEREST-LOAN> 22,885 <INTEREST-INVEST> 1,874 <INTEREST-OTHER> 945 <INTEREST-TOTAL> 25,704 <INTEREST-DEPOSIT> 6,237 <INTEREST-EXPENSE> 6,339 <INTEREST-INCOME-NET> 19,365 <LOAN-LOSSES> 1,474 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 16,825 <INCOME-PRETAX> 8,132 <INCOME-PRE-EXTRAORDINARY> 4,769 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 4,769 <EPS-PRIMARY> 0.98 <EPS-DILUTED> 0.94 <YIELD-ACTUAL> 7.13 <LOANS-NON> 788 <LOANS-PAST> 0 <LOANS-TROUBLED> 5,076 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 3,268 <CHARGE-OFFS> 1,401 <RECOVERIES> 251 <ALLOWANCE-CLOSE> 3,592 <ALLOWANCE-DOMESTIC> 3,592 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0