<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-END> SEP-30-1998 <CASH> 5369 <INT-BEARING-DEPOSITS> 6789 <FED-FUNDS-SOLD> 20200 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 25947 <INVESTMENTS-CARRYING> 7493 <INVESTMENTS-MARKET> 7531 <LOANS> 66259 <ALLOWANCE> 740 <TOTAL-ASSETS> 139864 <DEPOSITS> 100418 <SHORT-TERM> 0 <LIABILITIES-OTHER> 1671 <LONG-TERM> 22739 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 4737 <OTHER-SE> 10299 <TOTAL-LIABILITIES-AND-EQUITY> 139864 <INTEREST-LOAN> 4759 <INTEREST-INVEST> 2039 <INTEREST-OTHER> 531 <INTEREST-TOTAL> 7329 <INTEREST-DEPOSIT> 2224 <INTEREST-EXPENSE> 3282 <INTEREST-INCOME-NET> 4047 <LOAN-LOSSES> 136 <SECURITIES-GAINS> 91 <EXPENSE-OTHER> 2272 <INCOME-PRETAX> 2132 <INCOME-PRE-EXTRAORDINARY> 1322 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1322 <EPS-PRIMARY> .80 <EPS-DILUTED> .72 <YIELD-ACTUAL> 4.53 <LOANS-NON> 47 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 252 <ALLOWANCE-OPEN> 578 <CHARGE-OFFS> 14 <RECOVERIES> 40 <ALLOWANCE-CLOSE> 740 <ALLOWANCE-DOMESTIC> 252 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 488