<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-START> JAN-01-1998 <PERIOD-END> DEC-31-1998 <CASH> 14,214 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 18,700 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 6,400 <INVESTMENTS-CARRYING> 10,844 <INVESTMENTS-MARKET> 10,874 <LOANS> 239,797 <ALLOWANCE> 2,300 <TOTAL-ASSETS> 318,013 <DEPOSITS> 287,206 <SHORT-TERM> 0 <LIABILITIES-OTHER> 3,925 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 12,760 <OTHER-SE> 14,122 <TOTAL-LIABILITIES-AND-EQUITY> 318,013 <INTEREST-LOAN> 22,057 <INTEREST-INVEST> 1,119 <INTEREST-OTHER> 840 <INTEREST-TOTAL> 2,406 <INTEREST-DEPOSIT> 8,316 <INTEREST-EXPENSE> 8,406 <INTEREST-INCOME-NET> 15,610 <LOAN-LOSSES> 755 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 30,870 <INCOME-PRETAX> 7,393 <INCOME-PRE-EXTRAORDINARY> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 4,116 <EPS-PRIMARY> 1.63 <EPS-DILUTED> 1.55 <YIELD-ACTUAL> 6.40 <LOANS-NON> 1,807 <LOANS-PAST> 223 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,923 <CHARGE-OFFS> 528 <RECOVERIES> 150 <ALLOWANCE-CLOSE> 2,300 <ALLOWANCE-DOMESTIC> 2,058 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 242