<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
This schedule contains summary financial information extracted from Form 10-K
for the year ended December 31, 1998 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>                                         16,045
<INT-BEARING-DEPOSITS>                         0
<FED-FUNDS-SOLD>                               11,654
<TRADING-ASSETS>                               0
<INVESTMENTS-HELD-FOR-SALE>                    69,087
<INVESTMENTS-CARRYING>                         0
<INVESTMENTS-MARKET>                           0
<LOANS>                                        211,044
<ALLOWANCE>                                    2,436
<TOTAL-ASSETS>                                 332,174
<DEPOSITS>                                     286,372
<SHORT-TERM>                                   15,438
<LIABILITIES-OTHER>                            1,400
<LONG-TERM>                                    0
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    0
<COMMON>                                       6,644
<OTHER-SE>                                     22,320
<TOTAL-LIABILITIES-AND-EQUITY>                 332,174
<INTEREST-LOAN>                                15,395
<INTEREST-INVEST>                              4,818
<INTEREST-OTHER>                               805
<INTEREST-TOTAL>                               21,018
<INTEREST-DEPOSIT>                             8,850
<INTEREST-EXPENSE>                             9,602
<INTEREST-INCOME-NET>                          11,416
<LOAN-LOSSES>                                  440
<SECURITIES-GAINS>                             0
<EXPENSE-OTHER>                                10,132<F1>
<INCOME-PRETAX>                                3,700
<INCOME-PRE-EXTRAORDINARY>                     3,700
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   2,521
<EPS-PRIMARY>                                  .38
<EPS-DILUTED>                                  .37
<YIELD-ACTUAL>                                 4.25
<LOANS-NON>                                    1,108
<LOANS-PAST>                                   0
<LOANS-TROUBLED>                               0
<LOANS-PROBLEM>                                0
<ALLOWANCE-OPEN>                               2,092<F2>
<CHARGE-OFFS>                                  (183)
<RECOVERIES>                                   87
<ALLOWANCE-CLOSE>                              2,436
<ALLOWANCE-DOMESTIC>                           2,436
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        0
        
<FN>
(1)   Other expense includes: salaries and employee benefits of $5,605,
      occupancy of $1,958, data processing of $608, advertising of $249,
      stationery and supplies of $300 and other expenses which totaled $1,412.
(2)   Includes $528 allowance acquired in Citizens Acquisition.
</FN>


</TABLE>