<TABLE> <S> <C>


<ARTICLE>                                                                      9
<MULTIPLIER>                                                               1,000
       
<S>                                                                       <C>
<PERIOD-TYPE>                                                               YEAR
<FISCAL-YEAR-END>                                                    DEC-31-1998
<PERIOD-START>                                                       JAN-01-1998
<PERIOD-END>                                                        DEC-31-1998
<CASH>                                                                     3,898
<INT-BEARING-DEPOSITS>                                                       704
<FED-FUNDS-SOLD>                                                          17,619
<TRADING-ASSETS>                                                               0
<INVESTMENTS-HELD-FOR-SALE>                                               26,043
<INVESTMENTS-CARRYING>                                                    29,682
<INVESTMENTS-MARKET>                                                      29,728
<LOANS>                                                                  419,436
<ALLOWANCE>                                                                1,703
<TOTAL-ASSETS>                                                           519,219
<DEPOSITS>                                                               412,122
<SHORT-TERM>                                                                   0
<LIABILITIES-OTHER>                                                        4,744
<LONG-TERM>                                                               34,735
<PREFERRED-MANDATORY>                                                          0
<PREFERRED>                                                                    0
<COMMON>                                                                     561
<OTHER-SE>                                                                67,057
<TOTAL-LIABILITIES-AND-EQUITY>                                           519,219
<INTEREST-LOAN>                                                           32,413
<INTEREST-INVEST>                                                          3,714
<INTEREST-OTHER>                                                           1,518
<INTEREST-TOTAL>                                                          37,645
<INTEREST-DEPOSIT>                                                        20,301
<INTEREST-EXPENSE>                                                        22,695
<INTEREST-INCOME-NET>                                                     14,843
<LOAN-LOSSES>                                                                107
<SECURITIES-GAINS>                                                            62
<EXPENSE-OTHER>                                                            9,204
<INCOME-PRETAX>                                                            7,113
<INCOME-PRE-EXTRAORDINARY>                                                 7,113
<EXTRAORDINARY>                                                                0
<CHANGES>                                                                      0
<NET-INCOME>                                                               4,556
<EPS-PRIMARY>                                                                .84
<EPS-DILUTED>                                                                .83
<YIELD-ACTUAL>                                                              2.92
<LOANS-NON>                                                                1,808
<LOANS-PAST>                                                                   0
<LOANS-TROUBLED>                                                               0
<LOANS-PROBLEM>                                                                0
<ALLOWANCE-OPEN>                                                           1,658
<CHARGE-OFFS>                                                                 62
<RECOVERIES>                                                                   0
<ALLOWANCE-CLOSE>                                                          1,703
<ALLOWANCE-DOMESTIC>                                                           0
<ALLOWANCE-FOREIGN>                                                            0
<ALLOWANCE-UNALLOCATED>                                                    1,703
        


</TABLE>