<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED STATESMENTS OF OPERATIONS AND CONSOLIDATED BALANCE SHEETS
FOUND ON PAGES 148 AND 149 OF THE COMPANY'S FORM 10-K FOR THE YEAR-TO-
DATE, AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               DEC-31-1998
<CASH>                                          11,464
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 7,700
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    109,626
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        248,140
<ALLOWANCE>                                      4,050
<TOTAL-ASSETS>                                 388,251
<DEPOSITS>                                     344,253
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              4,223
<LONG-TERM>                                         41
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           729
<OTHER-SE>                                      39,005
<TOTAL-LIABILITIES-AND-EQUITY>                 388,251
<INTEREST-LOAN>                                 20,984
<INTEREST-INVEST>                                5,684
<INTEREST-OTHER>                                   556
<INTEREST-TOTAL>                                27,224
<INTEREST-DEPOSIT>                              13,946
<INTEREST-EXPENSE>                              13,960
<INTEREST-INCOME-NET>                           13,264
<LOAN-LOSSES>                                      855
<SECURITIES-GAINS>                               1,128
<EXPENSE-OTHER>                                  9,364
<INCOME-PRETAX>                                  5,718
<INCOME-PRE-EXTRAORDINARY>                       5,718
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     4,500
<EPS-PRIMARY>                                     2.04
<EPS-DILUTED>                                     2.04
<YIELD-ACTUAL>                                    7.97
<LOANS-NON>                                      2,308
<LOANS-PAST>                                     1,553
<LOANS-TROUBLED>                                   174
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 3,798
<CHARGE-OFFS>                                      789
<RECOVERIES>                                       186
<ALLOWANCE-CLOSE>                                4,050
<ALLOWANCE-DOMESTIC>                             4,050
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>