<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE AUDITED
CONSOLIDATED FINANCIAL STATEMENTS AS OF DECEMBER 31, 1998 AND 1997 INCLUDED IN
ITEM 8, FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA, AND IS QUALIFIED IN ITS
ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
<S>                             <C>                     <C>
<PERIOD-TYPE>                   YEAR                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1998             DEC-31-1997
<PERIOD-END>                               DEC-31-1998             DEC-31-1997
<CASH>                                          10,010                  11,431
<INT-BEARING-DEPOSITS>                               0                       0
<FED-FUNDS-SOLD>                                16,790                   6,900
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                     24,519                  55,781
<INVESTMENTS-CARRYING>                           8,038                   9,037
<INVESTMENTS-MARKET>                             8,208                   9,081
<LOANS>                                        148,202                 113,410
<ALLOWANCE>                                      3,235                   2,819
<TOTAL-ASSETS>                                 216,085                 204,820
<DEPOSITS>                                     188,621                 180,673
<SHORT-TERM>                                         0                       0
<LIABILITIES-OTHER>                              2,810                   2,322
<LONG-TERM>                                          0                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                         4,714                   4,562
<OTHER-SE>                                      19,940                  17,263
<TOTAL-LIABILITIES-AND-EQUITY>                 216,085                 204,820
<INTEREST-LOAN>                                 13,031                  11,519
<INTEREST-INVEST>                                2,673                   3,301
<INTEREST-OTHER>                                   618                     944
<INTEREST-TOTAL>                                16,322                  15,764
<INTEREST-DEPOSIT>                               5,886                   6,334
<INTEREST-EXPENSE>                               5,886                   6,334
<INTEREST-INCOME-NET>                           10,436                   9,430
<LOAN-LOSSES>                                      500                   1,023
<SECURITIES-GAINS>                                  93                       5
<EXPENSE-OTHER>                                  5,975                   4,983
<INCOME-PRETAX>                                  6,500                   5,787
<INCOME-PRE-EXTRAORDINARY>                       6,500                   5,787
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     4,054                   3,658
<EPS-PRIMARY>                                     1.51                    1.36
<EPS-DILUTED>                                     1.42                    1.35
<YIELD-ACTUAL>                                    5.57                    5.20
<LOANS-NON>                                        942                     500
<LOANS-PAST>                                        46                     173
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                 2,819                   2,294
<CHARGE-OFFS>                                      209                     605
<RECOVERIES>                                       125                     106
<ALLOWANCE-CLOSE>                                3,235                   2,819
<ALLOWANCE-DOMESTIC>                             3,235                   2,819
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0
        

</TABLE>