<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-END> SEP-30-1998 <CASH> 8477 <INT-BEARING-DEPOSITS> 31 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 93604 <INVESTMENTS-CARRYING> 3050 <INVESTMENTS-MARKET> 0 <LOANS> 197221 <ALLOWANCE> 2461 <TOTAL-ASSETS> 309588 <DEPOSITS> 21845 <SHORT-TERM> 21008 <LIABILITIES-OTHER> 5643 <LONG-TERM> 20000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 25713 <OTHER-SE> 18769 <TOTAL-LIABILITIES-AND-EQUITY> 309588 <INTEREST-LOAN> 13365 <INTEREST-INVEST> 3436 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 16801 <INTEREST-DEPOSIT> 5957 <INTEREST-EXPENSE> 1016 <INTEREST-INCOME-NET> 9828 <LOAN-LOSSES> 225 <SECURITIES-GAINS> 1059 <EXPENSE-OTHER> 5442 <INCOME-PRETAX> 6146 <INCOME-PRE-EXTRAORDINARY> 6146 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 4573 <EPS-PRIMARY> 1.78 <EPS-DILUTED> 1.78 <YIELD-ACTUAL> 0 <LOANS-NON> 850 <LOANS-PAST> 111 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2414 <CHARGE-OFFS> 226 <RECOVERIES> 48 <ALLOWANCE-CLOSE> 2461 <ALLOWANCE-DOMESTIC> 2461 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0