<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL  INFORMATION  EXTRACTED 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>                                            42,703
<INT-BEARING-DEPOSITS>                             2,238
<FED-FUNDS-SOLD>                                       0
<TRADING-ASSETS>                                       0
<INVESTMENTS-HELD-FOR-SALE>                       84,327
<INVESTMENTS-CARRYING>                           346,186
<INVESTMENTS-MARKET>                             347,981
<LOANS>                                          242,866
<ALLOWANCE>                                        1,909
<TOTAL-ASSETS>                                   665,608
<DEPOSITS>                                       438,913
<SHORT-TERM>                                      30,000
<LIABILITIES-OTHER>                               10,676
<LONG-TERM>                                      133,359
<PREFERRED-MANDATORY>                                  0
<PREFERRED>                                            0
<COMMON>                                             529
<OTHER-SE>                                        52,131 
<TOTAL-LIABILITIES-AND-EQUITY>                   665,608
<INTEREST-LOAN>                                   18,657
<INTEREST-INVEST>                                 23,275
<INTEREST-OTHER>                                   1,647
<INTEREST-TOTAL>                                  43,579
<INTEREST-DEPOSIT>                                17,397
<INTEREST-EXPENSE>                                 8,798
<INTEREST-INCOME-NET>                             17,384
<LOAN-LOSSES>                                         60
<SECURITIES-GAINS>                                   349
<EXPENSE-OTHER>                                   12,766
<INCOME-PRETAX>                                    6,137
<INCOME-PRE-EXTRAORDINARY>                         3,830
<EXTRAORDINARY>                                        0
<CHANGES>                                            208
<NET-INCOME>                                       4,038
<EPS-PRIMARY>                                       1.39
<EPS-DILUTED>                                       1.26
<YIELD-ACTUAL>                                      2.71
<LOANS-NON>                                        1,602
<LOANS-PAST>                                       1,602
<LOANS-TROUBLED>                                       0
<LOANS-PROBLEM>                                        0
<ALLOWANCE-OPEN>                                   2,029
<CHARGE-OFFS>                                        180
<RECOVERIES>                                           0
<ALLOWANCE-CLOSE>                                  1,909
<ALLOWANCE-DOMESTIC>                               1,909
<ALLOWANCE-FOREIGN>                                    0
<ALLOWANCE-UNALLOCATED>                            1,909
        


</TABLE>