<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>                                                     20,109
<INT-BEARING-DEPOSITS>                                          0
<FED-FUNDS-SOLD>                                           23,175
<TRADING-ASSETS>                                                0
<INVESTMENTS-HELD-FOR-SALE>                                95,771
<INVESTMENTS-CARRYING>                                     54,159
<INVESTMENTS-MARKET>                                       54,761
<LOANS>                                                   478,717
<ALLOWANCE>                                                 5,645
<TOTAL-ASSETS>                                            685,364
<DEPOSITS>                                                598,732
<SHORT-TERM>                                               18,548
<LIABILITIES-OTHER>                                         5,712
<LONG-TERM>                                                     0
<COMMON>                                                    5,397
<PREFERRED-MANDATORY>                                           0
<PREFERRED>                                                     0
<OTHER-SE>                                                 56,975
<TOTAL-LIABILITIES-AND-EQUITY>                            685,364
<INTEREST-LOAN>                                            38,904
<INTEREST-INVEST>                                           8,387
<INTEREST-OTHER>                                            1,529
<INTEREST-TOTAL>                                           48,820
<INTEREST-DEPOSIT>                                         18,467
<INTEREST-EXPENSE>                                         19,864
<INTEREST-INCOME-NET>                                      28,956
<LOAN-LOSSES>                                                 951
<SECURITIES-GAINS>                                          1,021
<EXPENSE-OTHER>                                            19,416
<INCOME-PRETAX>                                            13,517
<INCOME-PRE-EXTRAORDINARY>                                  8,609
<EXTRAORDINARY>                                                 0
<CHANGES>                                                       0
<NET-INCOME>                                                8,609
<EPS-PRIMARY>                                                1.20
<EPS-DILUTED>                                                1.19
<YIELD-ACTUAL>                                               4.44
<LOANS-NON>                                                 1,198
<LOANS-PAST>                                                    0
<LOANS-TROUBLED>                                              528
<LOANS-PROBLEM>                                                 0
<ALLOWANCE-OPEN>                                            5,231
<CHARGE-OFFS>                                                 620
<RECOVERIES>                                                   83
<ALLOWANCE-CLOSE>                                           5,645
<ALLOWANCE-DOMESTIC>                                        5,645
<ALLOWANCE-FOREIGN>                                             0
<ALLOWANCE-UNALLOCATED>                                       978
        

</TABLE>