<TABLE> <S> <C>

<ARTICLE>                       9
<LEGEND>
The schedule  contains summary financial  information  extracted from the annual
report on Form 10-K for the fiscal 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>                   Year 
<FISCAL-YEAR-END>                        DEC-31-1998
<PERIOD-END>                             DEC-31-1998
<CASH>                                        15,641    
<INT-BEARING-DEPOSITS>                           200    
<FED-FUNDS-SOLD>                               9,189    
<TRADING-ASSETS>                                   0    
<INVESTMENTS-HELD-FOR-SALE>                   26,343    
<INVESTMENTS-CARRYING>                        58,267    
<INVESTMENTS-MARKET>                          58,809    
<LOANS>                                      218,311    
<ALLOWANCE>                                    2,069    
<TOTAL-ASSETS>                               338,050    
<DEPOSITS>                                   220,495    
<SHORT-TERM>                                       0    
<LIABILITIES-OTHER>                            3,968    
<LONG-TERM>                                   29,000    
<PREFERRED-MANDATORY>                             64    
<PREFERRED>                                        0    
<COMMON>                                           0    
<OTHER-SE>                                    84,523    
<TOTAL-LIABILITIES-AND-EQUITY>               338,050    
<INTEREST-LOAN>                               17,141    
<INTEREST-INVEST>                              6,055    
<INTEREST-OTHER>                                 863    
<INTEREST-TOTAL>                              24,059    
<INTEREST-DEPOSIT>                             9,191    
<INTEREST-EXPENSE>                            10,296    
<INTEREST-INCOME-NET>                         13,763    
<LOAN-LOSSES>                                    246    
<SECURITIES-GAINS>                                40    
<EXPENSE-OTHER>                                5,887    
<INCOME-PRETAX>                                8,442    
<INCOME-PRE-EXTRAORDINARY>                     8,442    
<EXTRAORDINARY>                                    0    
<CHANGES>                                          0    
<NET-INCOME>                                   5,344    
<EPS-PRIMARY>                                    .93    
<EPS-DILUTED>                                    .93    
<YIELD-ACTUAL>                                  4.37    
<LOANS-NON>                                        9    
<LOANS-PAST>                                   1,003    
<LOANS-TROUBLED>                                   0    
<LOANS-PROBLEM>                                    0    
<ALLOWANCE-OPEN>                               1,828    
<CHARGE-OFFS>                                      5    
<RECOVERIES>                                       0    
<ALLOWANCE-CLOSE>                              2,069    
<ALLOWANCE-DOMESTIC>                           2,069    
<ALLOWANCE-FOREIGN>                                0    
<ALLOWANCE-UNALLOCATED>                          655    
                                                     

</TABLE>