<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY INFORMATION EXTRACTED FROM AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               SEP-30-1998
<CASH>                                          12,155
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 4,040
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     67,886
<INVESTMENTS-CARRYING>                           2,586
<INVESTMENTS-MARKET>                             2,586
<LOANS>                                        286,070
<ALLOWANCE>                                      3,666
<TOTAL-ASSETS>                                 378,992
<DEPOSITS>                                     307,835
<SHORT-TERM>                                    22,577
<LIABILITIES-OTHER>                              1,891
<LONG-TERM>                                        713
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        30,672
<OTHER-SE>                                      15,304
<TOTAL-LIABILITIES-AND-EQUITY>                 378,992
<INTEREST-LOAN>                                 18,355
<INTEREST-INVEST>                                3,398
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                21,753
<INTEREST-DEPOSIT>                               8,657
<INTEREST-EXPENSE>                               9,473
<INTEREST-INCOME-NET>                           12,280
<LOAN-LOSSES>                                      630
<SECURITIES-GAINS>                                   5
<EXPENSE-OTHER>                                  7,368
<INCOME-PRETAX>                                  5,562
<INCOME-PRE-EXTRAORDINARY>                       5,562
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,774
<EPS-PRIMARY>                                     1.05
<EPS-DILUTED>                                     1.05
<YIELD-ACTUAL>                                    8.19
<LOANS-NON>                                        716
<LOANS-PAST>                                       374
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 3,429
<CHARGE-OFFS>                                      603
<RECOVERIES>                                       210
<ALLOWANCE-CLOSE>                                3,666
<ALLOWANCE-DOMESTIC>                             3,666
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0