<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
     THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM 
FORM 10-K FOR THE FISCAL YEAR ENDED DECEMBER 31, 1998 AND IS QUALIFIED IN ITS
ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER>                                   1,000
       
<S>                                       <C>
<PERIOD-TYPE>                                      YEAR
<FISCAL-YEAR-END>                           DEC-31-1998      
<PERIOD-END>                                DEC-31-1998   
<CASH>                                           12,787
<INT-BEARING-DEPOSITS>                                0
<FED-FUNDS-SOLD>                                      0
<TRADING-ASSETS>                                      0
<INVESTMENTS-HELD-FOR-SALE>                      44,958
<INVESTMENTS-CARRYING>                           59,813
<INVESTMENTS-MARKET>                                  0
<LOANS>                                         229,722
<ALLOWANCE>                                       2,517
<TOTAL-ASSETS>                                  356,623
<DEPOSITS>                                      304,690
<SHORT-TERM>                                     13,029
<LIABILITIES-OTHER>                               3,902
<LONG-TERM>                                           0
<PREFERRED-MANDATORY>                                 0
<PREFERRED>                                           0
<COMMON>                                          9,138
<OTHER-SE>                                       25,864
<TOTAL-LIABILITIES-AND-EQUITY>                  356,623
<INTEREST-LOAN>                                  20,361
<INTEREST-INVEST>                                 5,862
<INTEREST-OTHER>                                    188
<INTEREST-TOTAL>                                 26,411
<INTEREST-DEPOSIT>                               11,118
<INTEREST-EXPENSE>                               11,591
<INTEREST-INCOME-NET>                            14,820
<LOAN-LOSSES>                                       390
<SECURITIES-GAINS>                                    0
<EXPENSE-OTHER>                                  11,088
<INCOME-PRETAX>                                   6,546
<INCOME-PRE-EXTRAORDINARY>                        6,546
<EXTRAORDINARY>                                       0
<CHANGES>                                             0
<NET-INCOME>                                      4,562
<EPS-PRIMARY>                                      1.25
<EPS-DILUTED>                                      1.20
<YIELD-ACTUAL>                                     4.59
<LOANS-NON>                                         731
<LOANS-PAST>                                        263
<LOANS-TROUBLED>                                      0
<LOANS-PROBLEM>                                       0
<ALLOWANCE-OPEN>                                  2,294
<CHARGE-OFFS>                                       336
<RECOVERIES>                                        169
<ALLOWANCE-CLOSE>                                 2,517
<ALLOWANCE-DOMESTIC>                              2,188
<ALLOWANCE-FOREIGN>                                   0
<ALLOWANCE-UNALLOCATED>                             329
        


</TABLE>