<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