<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
SEPTEMBER 30, 1998 QUARTERLY REPORT FILED ON FORM 10-Q AND IS QUALIFIED IN ITS
ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.  THE AMOUNTS PRESENTED FOR
[EPS-PRIMARY] AND [EPS-DILUTED] REPRESENT THE CORPORATION'S BASIC AND DILUTED
EARNINGS PER SHARE, RESPECTIVELY, FOR THE NINE MONTHS ENDED SEPTEMBER 30, 1998.
</LEGEND>
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               SEP-30-1998
<CASH>                                           4,447
<INT-BEARING-DEPOSITS>                              57
<FED-FUNDS-SOLD>                                   871
<TRADING-ASSETS>                                   357
<INVESTMENTS-HELD-FOR-SALE>                     24,585
<INVESTMENTS-CARRYING>                             901
<INVESTMENTS-MARKET>                               912
<LOANS>                                         45,251
<ALLOWANCE>                                      1,337
<TOTAL-ASSETS>                                 103,727
<DEPOSITS>                                      60,182
<SHORT-TERM>                                    15,700
<LIABILITIES-OTHER>                              5,685
<LONG-TERM>                                     14,672
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                        187
<COMMON>                                         1,306
<OTHER-SE>                                       5,995
<TOTAL-LIABILITIES-AND-EQUITY>                 103,727
<INTEREST-LOAN>                                  3,618
<INTEREST-INVEST>                                  936
<INTEREST-OTHER>                                   885
<INTEREST-TOTAL>                                 5,439
<INTEREST-DEPOSIT>                               1,121
<INTEREST-EXPENSE>                               2,176
<INTEREST-INCOME-NET>                            3,263
<LOAN-LOSSES>                                      411
<SECURITIES-GAINS>                                  97
<EXPENSE-OTHER>                                  3,801
<INCOME-PRETAX>                                  1,702
<INCOME-PRE-EXTRAORDINARY>                       1,702
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,143
<EPS-PRIMARY>                                     1.49
<EPS-DILUTED>                                     1.46
<YIELD-ACTUAL>                                    5.61
<LOANS-NON>                                        215
<LOANS-PAST>                                       176
<LOANS-TROUBLED>                                     1
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,234
<CHARGE-OFFS>                                      540
<RECOVERIES>                                       114
<ALLOWANCE-CLOSE>                                1,337
<ALLOWANCE-DOMESTIC>                               862
<ALLOWANCE-FOREIGN>                                 73
<ALLOWANCE-UNALLOCATED>                            402