<TABLE> <S> <C>

<ARTICLE> 9 
<MULTIPLIER> 1,000
       
<S>                             <C>                     <C>
<PERIOD-TYPE>                   12-MOS                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1998             DEC-31-1997
<PERIOD-END>                               DEC-31-1998             DEC-31-1997
<CASH>                                          14,223                  13,771
<INT-BEARING-DEPOSITS>                               0                       0
<FED-FUNDS-SOLD>                                 2,000                   5,075
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                     77,153                  49,596
<INVESTMENTS-CARRYING>                          25,711                  21,580
<INVESTMENTS-MARKET>                                 0                       0
<LOANS>                                        278,220                 229,277
<ALLOWANCE>                                      3,496                   2,789
<TOTAL-ASSETS>                                 421,221                 333,288
<DEPOSITS>                                     315,317                 267,590
<SHORT-TERM>                                    21,282                  21,766
<LIABILITIES-OTHER>                              2,766                   2,994
<LONG-TERM>                                     24,342                   7,813
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                         3,245                   3,004
<OTHER-SE>                                      36,036                  30,121
<TOTAL-LIABILITIES-AND-EQUITY>                 421,221                 333,288
<INTEREST-LOAN>                                 25,223                  21,422
<INTEREST-INVEST>                                5,721                   5,075
<INTEREST-OTHER>                                   209                     121
<INTEREST-TOTAL>                                31,153                  26,617
<INTEREST-DEPOSIT>                              12,816                  11,057
<INTEREST-EXPENSE>                              15,215                  12,740
<INTEREST-INCOME-NET>                           15,938                  13,877
<LOAN-LOSSES>                                      958                     699
<SECURITIES-GAINS>                                  42                      93
<EXPENSE-OTHER>                                 12,943                  10,518
<INCOME-PRETAX>                                  6,315                   6,406
<INCOME-PRE-EXTRAORDINARY>                       4,223                   4,246
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     4,223                   4,246
<EPS-PRIMARY>                                     1.34                    1.42
<EPS-DILUTED>                                     1.34                    1.42
<YIELD-ACTUAL>                                    4.16                    4.54
<LOANS-NON>                                        303                     440
<LOANS-PAST>                                       424                     164
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                  6,513                   4,038
<ALLOWANCE-OPEN>                                 3,120                   2,282
<CHARGE-OFFS>                                      952                     326
<RECOVERIES>                                       331                     134
<ALLOWANCE-CLOSE>                                3,496                   2,789
<ALLOWANCE-DOMESTIC>                             3,496                   2,789
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0
        

</TABLE>