<TABLE> <S> <C>

<ARTICLE> 9
       
<S>                             <C>                     <C>
<PERIOD-TYPE>                   3-MOS                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1998             DEC-31-1997
<PERIOD-END>                               MAR-31-1999             MAR-31-1998
<CASH>                                            2748                    3739
<INT-BEARING-DEPOSITS>                              86                      48
<FED-FUNDS-SOLD>                                 11300                    8100
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                      36673                   31315
<INVESTMENTS-CARRYING>                           28669                   28120
<INVESTMENTS-MARKET>                             28257                   27952
<LOANS>                                          72610                   58173
<ALLOWANCE>                                       1075                     825
<TOTAL-ASSETS>                                  158076                  135444
<DEPOSITS>                                      125637                  113918
<SHORT-TERM>                                      5072                    6000
<LIABILITIES-OTHER>                               1623                    1710
<LONG-TERM>                                      15749                    3749
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                       1547                    1547
<COMMON>                                          2126                    2051
<OTHER-SE>                                        6428                    6482
<TOTAL-LIABILITIES-AND-EQUITY>                  158076                  135444
<INTEREST-LOAN>                                   1512                    1281
<INTEREST-INVEST>                                 1028                    1050
<INTEREST-OTHER>                                     0                       0
<INTEREST-TOTAL>                                  2540                    2331
<INTEREST-DEPOSIT>                                 914                    1000
<INTEREST-EXPENSE>                                 252                      97
<INTEREST-INCOME-NET>                             1374                    1234
<LOAN-LOSSES>                                       43                      38
<SECURITIES-GAINS>                                  15                       8
<EXPENSE-OTHER>                                   1279                    1138
<INCOME-PRETAX>                                    465                     402
<INCOME-PRE-EXTRAORDINARY>                         465                     402
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                       303                     266
<EPS-PRIMARY>                                     1.68                    1.64
<EPS-DILUTED>                                     1.53                    1.46
<YIELD-ACTUAL>                                    3.94                    4.02
<LOANS-NON>                                       1091                    1024
<LOANS-PAST>                                       347                    3015
<LOANS-TROUBLED>                                  1261                    1261
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                  1415                     825
<CHARGE-OFFS>                                      401                      84
<RECOVERIES>                                        18                      46
<ALLOWANCE-CLOSE>                                 1075                     825
<ALLOWANCE-DOMESTIC>                              1030                     788
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                             45                      37
        

</TABLE>