<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>                                          10,440
<INT-BEARING-DEPOSITS>                             315
<FED-FUNDS-SOLD>                                14,853
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     27,115
<INVESTMENTS-CARRYING>                          62,253
<INVESTMENTS-MARKET>                            63,982
<LOANS>                                        196,712
<ALLOWANCE>                                      2,888
<TOTAL-ASSETS>                                 317,502
<DEPOSITS>                                     265,747
<SHORT-TERM>                                     9,771
<LIABILITIES-OTHER>                              1,014
<LONG-TERM>                                     10,111
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        16,590
<OTHER-SE>                                      14,270
<TOTAL-LIABILITIES-AND-EQUITY>                 317,502
<INTEREST-LOAN>                                 18,087
<INTEREST-INVEST>                                4,668
<INTEREST-OTHER>                                   649
<INTEREST-TOTAL>                                23,404
<INTEREST-DEPOSIT>                              10,604
<INTEREST-EXPENSE>                              11,563
<INTEREST-INCOME-NET>                           11,841
<LOAN-LOSSES>                                    1,051
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  6,884
<INCOME-PRETAX>                                  5,561
<INCOME-PRE-EXTRAORDINARY>                       4,231
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     4,231
<EPS-PRIMARY>                                     1.60
<EPS-DILUTED>                                     1.60
<YIELD-ACTUAL>                                    4.20
<LOANS-NON>                                        571
<LOANS-PAST>                                       892
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 2,349
<CHARGE-OFFS>                                      568
<RECOVERIES>                                        56
<ALLOWANCE-CLOSE>                                2,888
<ALLOWANCE-DOMESTIC>                             2,468
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            420
        

</TABLE>