<ARTICLE> 9 <MULTIPLIER> 1,000 <CURRENCY> US DOLLARS <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-START> JAN-01-1998 <PERIOD-END> DEC-31-1998 <EXCHANGE-RATE> 1 <CASH> 25,771 <INT-BEARING-DEPOSITS> 600 <FED-FUNDS-SOLD> 19,125 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 141,357 <INVESTMENTS-CARRYING> 13,510 <INVESTMENTS-MARKET> 13,584 <LOANS> 268,933 <ALLOWANCE> 4,775 <TOTAL-ASSETS> 499,859 <DEPOSITS> 444,210 <SHORT-TERM> 7,203 <LIABILITIES-OTHER> 2,379 <LONG-TERM> 3,263 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 37,142 <OTHER-SE> 5,662 <TOTAL-LIABILITIES-AND-EQUITY> 499,859 <INTEREST-LOAN> 25,159 <INTEREST-INVEST> 8,145 <INTEREST-OTHER> 1,320 <INTEREST-TOTAL> 34,614 <INTEREST-DEPOSIT> 12,342 <INTEREST-EXPENSE> 13,634 <INTEREST-INCOME-NET> 20,980 <LOAN-LOSSES> 3,903 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 18,244 <INCOME-PRETAX> 3,671 <INCOME-PRE-EXTRAORDINARY> 3,671 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,741 <EPS-PRIMARY> 0.60 <EPS-DILUTED> 0.58 <YIELD-ACTUAL> 8.54 <LOANS-NON> 1,632 <LOANS-PAST> 413 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 3,833 <CHARGE-OFFS> 3,526 <RECOVERIES> 565 <ALLOWANCE-CLOSE> 4,775 <ALLOWANCE-DOMESTIC> 4,775 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0