<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE MORE
DETAILED FINANCIAL STATEMENTS OF THE COMPANY AND SUBSIDIARY AND NOTES THERETO
INCLUDED ELSEWHERE IN THIS REPORT AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
TO SUCH FINANCIALS.
</LEGEND>
<MULTIPLIER> 1,000
       
<S>                             <C>
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               DEC-31-1998
<CASH>                                          17,864
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                27,100
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     80,582
<INVESTMENTS-CARRYING>                          60,648
<INVESTMENTS-MARKET>                            61,928
<LOANS>                                        229,129
<ALLOWANCE>                                      3,132
<TOTAL-ASSETS>                                 426,359
<DEPOSITS>                                     346,112
<SHORT-TERM>                                    33,666
<LIABILITIES-OTHER>                              5,380
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         5,987
<OTHER-SE>                                      35,214
<TOTAL-LIABILITIES-AND-EQUITY>                 426,359
<INTEREST-LOAN>                                 20,755
<INTEREST-INVEST>                                7,882
<INTEREST-OTHER>                                 1,406
<INTEREST-TOTAL>                                30,043
<INTEREST-DEPOSIT>                              11,432
<INTEREST-EXPENSE>                              13,030
<INTEREST-INCOME-NET>                           17,013
<LOAN-LOSSES>                                      680
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 11,936
<INCOME-PRETAX>                                  8,329
<INCOME-PRE-EXTRAORDINARY>                       5,508
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     5,508
<EPS-PRIMARY>                                     9.22<F1>
<EPS-DILUTED>                                     9.22<F1>
<YIELD-ACTUAL>                                    4.48<F1>
<LOANS-NON>                                        422
<LOANS-PAST>                                       100
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    422
<ALLOWANCE-OPEN>                                 2,879
<CHARGE-OFFS>                                      756
<RECOVERIES>                                       329
<ALLOWANCE-CLOSE>                                3,132
<ALLOWANCE-DOMESTIC>                             3,132
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
<FN>
<F1>MULTIPLIER DOES NOT APPLY TO EPS AND YIELD DATA.
</FN>
        

</TABLE>