<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               SEP-30-1998
<CASH>                                            2453
<INT-BEARING-DEPOSITS>                            5538
<FED-FUNDS-SOLD>                                  9020
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      25148
<INVESTMENTS-CARRYING>                            6696
<INVESTMENTS-MARKET>                              6822
<LOANS>                                          53762
<ALLOWANCE>                                        992
<TOTAL-ASSETS>                                  106621
<DEPOSITS>                                       95087
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                               1208
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                              575
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                        9751
<TOTAL-LIABILITIES-AND-EQUITY>                  106621
<INTEREST-LOAN>                                   3524
<INTEREST-INVEST>                                 1438
<INTEREST-OTHER>                                   618
<INTEREST-TOTAL>                                  5580
<INTEREST-DEPOSIT>                                3158
<INTEREST-EXPENSE>                                   0
<INTEREST-INCOME-NET>                             2422
<LOAN-LOSSES>                                       88
<SECURITIES-GAINS>                                   3
<EXPENSE-OTHER>                                   1630
<INCOME-PRETAX>                                   1162
<INCOME-PRE-EXTRAORDINARY>                        1162
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       835
<EPS-PRIMARY>                                     7.27
<EPS-DILUTED>                                     7.27
<YIELD-ACTUAL>                                    7.48
<LOANS-NON>                                          0
<LOANS-PAST>                                        54
<LOANS-TROUBLED>                                    30
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   937
<CHARGE-OFFS>                                       62
<RECOVERIES>                                        29
<ALLOWANCE-CLOSE>                                  992
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0