<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION DERIVED FROM
THE ANNUAL REPORT ON FORM 10-K AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL INFORMATION.
</LEGEND>

<MULTIPLIER>                                   1000
       
<S>                                            <C>
<PERIOD-TYPE>                                  12-MOS
<FISCAL-YEAR-END>                              Dec-31-1998
<PERIOD-END>                                   Dec-31-1998
<CASH>                                            18,142
<INT-BEARING-DEPOSITS>                            11,754
<FED-FUNDS-SOLD>                                       0
<TRADING-ASSETS>                                       0
<INVESTMENTS-HELD-FOR-SALE>                      109,833
<INVESTMENTS-CARRYING>                           220,010
<INVESTMENTS-MARKET>                             221,628
<LOANS>                                          298,603
<ALLOWANCE>                                        3,342
<TOTAL-ASSETS>                                   691,812
<DEPOSITS>                                       536,310
<SHORT-TERM>                                       3,781
<LIABILITIES-OTHER>                                1,884
<LONG-TERM>                                      106,368
<PREFERRED-MANDATORY>                                  0
<PREFERRED>                                            0
<COMMON>                                             790
<OTHER-SE>                                        42,679
<TOTAL-LIABILITIES-AND-EQUITY>                   691,812
<INTEREST-LOAN>                                   24,316
<INTEREST-INVEST>                                 22,247
<INTEREST-OTHER>                                       0
<INTEREST-TOTAL>                                  46,563
<INTEREST-DEPOSIT>                                18,091
<INTEREST-EXPENSE>                                24,869
<INTEREST-INCOME-NET>                             21,694
<LOAN-LOSSES>                                        240
<SECURITIES-GAINS>                                     0
<EXPENSE-OTHER>                                   13,199
<INCOME-PRETAX>                                    8,255
<INCOME-PRE-EXTRAORDINARY>                         5,271
<EXTRAORDINARY>                                        0
<CHANGES>                                              0
<NET-INCOME>                                       5,271
<EPS-PRIMARY>                                        .73
<EPS-DILUTED>                                        .72
<YIELD-ACTUAL>                                      3.48
<LOANS-NON>                                        3,220
<LOANS-PAST>                                           0
<LOANS-TROUBLED>                                     477
<LOANS-PROBLEM>                                        0
<ALLOWANCE-OPEN>                                   3,138 
<CHARGE-OFFS>                                         38
<RECOVERIES>                                           2
<ALLOWANCE-CLOSE>                                  3,342
<ALLOWANCE-DOMESTIC>                                   0
<ALLOWANCE-FOREIGN>                                    0
<ALLOWANCE-UNALLOCATED>                            3,072
        


</TABLE>