<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET AND CONSOLIDATED STATEMENT OF INCOME AS FILED AS
PART OF THE ANNUAL REPORT ON FORM 10-K AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH ANNUAL REPORT ON FORM 10-K.
</LEGEND>
<MULTIPLIER> 1000
       
<S>                             <C>
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               DEC-31-1998
<CASH>                                           16228
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                  4000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      36138
<INVESTMENTS-CARRYING>                           31756
<INVESTMENTS-MARKET>                             32693
<LOANS>                                         163303
<ALLOWANCE>                                       2026
<TOTAL-ASSETS>                                  266851
<DEPOSITS>                                      233361
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                               8557
<LONG-TERM>                                       5000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                          4305
<OTHER-SE>                                       15628
<TOTAL-LIABILITIES-AND-EQUITY>                  266851
<INTEREST-LOAN>                                  15781
<INTEREST-INVEST>                                 3399
<INTEREST-OTHER>                                   266
<INTEREST-TOTAL>                                 19446
<INTEREST-DEPOSIT>                                7622
<INTEREST-EXPENSE>                                8032
<INTEREST-INCOME-NET>                            11414
<LOAN-LOSSES>                                      600
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                   9276
<INCOME-PRETAX>                                   4734
<INCOME-PRE-EXTRAORDINARY>                        4734
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                      3549
<EPS-PRIMARY>                                     1.87
<EPS-DILUTED>                                     1.87
<YIELD-ACTUAL>                                    5.50
<LOANS-NON>                                        343
<LOANS-PAST>                                      1088
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                   3931
<ALLOWANCE-OPEN>                                  1863
<CHARGE-OFFS>                                      579
<RECOVERIES>                                       142
<ALLOWANCE-CLOSE>                                 2026
<ALLOWANCE-DOMESTIC>                              1401
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            625
        

</TABLE>