<TABLE> <S> <C>

<ARTICLE>                                                    9
<MULTIPLIER>                                             1,000
       
<S>                                                         <C>
<PERIOD-TYPE>                                               12-MOS
<FISCAL-YEAR-END>                                       DEC-31-1998
<PERIOD-END>                                            DEC-31-1998
<CASH>                                                  32,311
<INT-BEARING-DEPOSITS>                                   5,108
<FED-FUNDS-SOLD>                                        19,535
<TRADING-ASSETS>                                             0
<INVESTMENTS-HELD-FOR-SALE>                            109,227
<INVESTMENTS-CARRYING>                                  92,340
<INVESTMENTS-MARKET>                                    93,511
<LOANS>                                                364,489
<ALLOWANCE>                                              5,962
<TOTAL-ASSETS>                                         649,425
<DEPOSITS>                                             556,752
<SHORT-TERM>                                             5,124
<LIABILITIES-OTHER>                                      8,516
<LONG-TERM>                                             23,000
<PREFERRED-MANDATORY>                                        0
<PREFERRED>                                              2,504
<COMMON>                                                   596
<OTHER-SE>                                              52,933
<TOTAL-LIABILITIES-AND-EQUITY>                           649,425
<INTEREST-LOAN>                                         31,000
<INTEREST-INVEST>                                        9,730
<INTEREST-OTHER>                                           972
<INTEREST-TOTAL>                                        41,702
<INTEREST-DEPOSIT>                                      18,716
<INTEREST-EXPENSE>                                       1,612
<INTEREST-INCOME-NET>                                   21,374
<LOAN-LOSSES>                                              155
<SECURITIES-GAINS>                                       1,789
<EXPENSE-OTHER>                                         20,214
<INCOME-PRETAX>                                          7,656
<INCOME-PRE-EXTRAORDINARY>                               7,656
<EXTRAORDINARY>                                              0
<CHANGES>                                                    0
<NET-INCOME>                                             5,596
<EPS-PRIMARY>                                            43.40
<EPS-DILUTED>                                            43.40
<YIELD-ACTUAL>                                            7.57
<LOANS-NON>                                                166
<LOANS-PAST>                                               805
<LOANS-TROUBLED>                                             0
<LOANS-PROBLEM>                                             43
<ALLOWANCE-OPEN>                                         5,971
<CHARGE-OFFS>                                              544
<RECOVERIES>                                               111
<ALLOWANCE-CLOSE>                                        5,962
<ALLOWANCE-DOMESTIC>                                     5,962
<ALLOWANCE-FOREIGN>                                          0
<ALLOWANCE-UNALLOCATED>                                      0
        

</TABLE>