<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET AND THE CONSOLIDATED STATEMENT OF INCOME FILED AS
PART OF THE ANNUAL REPORT ON FORM 10-K 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>                                          15,492
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 1,550
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     91,399
<INVESTMENTS-CARRYING>                          49,184
<INVESTMENTS-MARKET>                            49,697
<LOANS>                                        255,289
<ALLOWANCE>                                      1,948
<TOTAL-ASSETS>                                 418,540
<DEPOSITS>                                     368,918
<SHORT-TERM>                                       225
<LIABILITIES-OTHER>                              1,863
<LONG-TERM>                                      9,225
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         3,779
<OTHER-SE>                                      34,530
<TOTAL-LIABILITIES-AND-EQUITY>                 418,540
<INTEREST-LOAN>                                 21,060
<INTEREST-INVEST>                                7,066
<INTEREST-OTHER>                                   802
<INTEREST-TOTAL>                                28,928
<INTEREST-DEPOSIT>                              13,936
<INTEREST-EXPENSE>                              14,323
<INTEREST-INCOME-NET>                           14,605
<LOAN-LOSSES>                                      469
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 11,373
<INCOME-PRETAX>                                  6,902
<INCOME-PRE-EXTRAORDINARY>                       4,734
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     4,734
<EPS-PRIMARY>                                     1.13
<EPS-DILUTED>                                     1.13
<YIELD-ACTUAL>                                    3.95
<LOANS-NON>                                        753
<LOANS-PAST>                                       325
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,842
<CHARGE-OFFS>                                      568
<RECOVERIES>                                       205
<ALLOWANCE-CLOSE>                                1,948
<ALLOWANCE-DOMESTIC>                             1,488
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            460
        

</TABLE>