<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>                                          20,171
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                19,406
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    157,140
<INVESTMENTS-CARRYING>                          20,052
<INVESTMENTS-MARKET>                            20,764
<LOANS>                                        395,620
<ALLOWANCE>                                      4,363
<TOTAL-ASSETS>                                 657,744
<DEPOSITS>                                     523,193
<SHORT-TERM>                                    25,714
<LIABILITIES-OTHER>                              3,731
<LONG-TERM>                                     50,707
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         1,103
<OTHER-SE>                                      53,296
<TOTAL-LIABILITIES-AND-EQUITY>                 657,744
<INTEREST-LOAN>                                 33,787
<INTEREST-INVEST>                                9,762
<INTEREST-OTHER>                                 1,801
<INTEREST-TOTAL>                                45,350
<INTEREST-DEPOSIT>                              19,458
<INTEREST-EXPENSE>                              25,243
<INTEREST-INCOME-NET>                           20,108
<LOAN-LOSSES>                                    1,742
<SECURITIES-GAINS>                                 225
<EXPENSE-OTHER>                                 15,338
<INCOME-PRETAX>                                  7,700
<INCOME-PRE-EXTRAORDINARY>                       5,704
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     5,704
<EPS-PRIMARY>                                     1.09
<EPS-DILUTED>                                     1.09
<YIELD-ACTUAL>                                    3.85<F1>
<LOANS-NON>                                      3,500
<LOANS-PAST>                                     1,322
<LOANS-TROUBLED>                                   105
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 3,479
<CHARGE-OFFS>                                    1,190
<RECOVERIES>                                       216
<ALLOWANCE-CLOSE>                                4,362<F2>
<ALLOWANCE-DOMESTIC>                             4,362
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            202
<FN>
<F1>Computed on a tax equivalent basis.
<F2>Includes allowance acquired through merger.
</FN>