<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
REGISTRANT'S BALANCE SHEET AS OF DECEMBER 31, 1998 AND THE STATEMENT OF INCOME
FOR THE TWELVE MONTHS ENDED DECEMBER 31, 1998, AND IS QUALIFIED IN ITS ENTIRETY
BY REFERENCE TO SUCH BALANCE SHEET AND STATEMENT OF INCOME AND THE NOTES
THERETO.
</LEGEND>
       
<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               DEC-31-1998
<CASH>                                          24,482
<INT-BEARING-DEPOSITS>                          15,043
<FED-FUNDS-SOLD>                                13,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     93,418
<INVESTMENTS-CARRYING>                          12,827
<INVESTMENTS-MARKET>                            12,908
<LOANS>                                        294,583
<ALLOWANCE>                                    (5,576)
<TOTAL-ASSETS>                                 469,077
<DEPOSITS>                                     416,664
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              4,034
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        36,057
<OTHER-SE>                                      12,322
<TOTAL-LIABILITIES-AND-EQUITY>                 469,077
<INTEREST-LOAN>                                 29,740
<INTEREST-INVEST>                                4,275
<INTEREST-OTHER>                                 2,222
<INTEREST-TOTAL>                                36,237
<INTEREST-DEPOSIT>                                 662
<INTEREST-EXPENSE>                               9,827
<INTEREST-INCOME-NET>                           26,410
<LOAN-LOSSES>                                      775
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 22,573
<INCOME-PRETAX>                                  8,148
<INCOME-PRE-EXTRAORDINARY>                       8,148
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     5,064
<EPS-PRIMARY>                                     0.85<F1>
<EPS-DILUTED>                                     0.85
<YIELD-ACTUAL>                                     6.5
<LOANS-NON>                                      6,347
<LOANS-PAST>                                        37
<LOANS-TROUBLED>                                 3,042
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 5,165
<CHARGE-OFFS>                                      869
<RECOVERIES>                                       505
<ALLOWANCE-CLOSE>                                5,576
<ALLOWANCE-DOMESTIC>                             5,576
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
<FN>
<F1>For purposes of this Exhibit, Primary means Basic.
</FN>
        

</TABLE>