<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-START> JAN-01-1998 <PERIOD-END> DEC-31-1998 <CASH> 23,084 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 26,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 106,960 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 106,960 <LOANS> 160,976 <ALLOWANCE> 3,871 <TOTAL-ASSETS> 324,748 <DEPOSITS> 280,810 <SHORT-TERM> 10,416 <LIABILITIES-OTHER> 3,325 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 20,689 <OTHER-SE> 9,508 <TOTAL-LIABILITIES-AND-EQUITY> 324,748 <INTEREST-LOAN> 16,891 <INTEREST-INVEST> 5,848 <INTEREST-OTHER> 1,388 <INTEREST-TOTAL> 24,127 <INTEREST-DEPOSIT> 5,589 <INTEREST-EXPENSE> 6,763 <INTEREST-INCOME-NET> 17,364 <LOAN-LOSSES> 300 <SECURITIES-GAINS> 21 <EXPENSE-OTHER> 12,355 <INCOME-PRETAX> 10,569 <INCOME-PRE-EXTRAORDINARY> 10,569 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 6,161 <EPS-PRIMARY> 1.28 <EPS-DILUTED> 1.25 <YIELD-ACTUAL> .064 <LOANS-NON> 1,108 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 3,609 <CHARGE-OFFS> 113 <RECOVERIES> 75 <ALLOWANCE-CLOSE> 3,871 <ALLOWANCE-DOMESTIC> 3,871 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0