<ARTICLE> 9 <MULTIPLIER> 1,000 <CURRENCY> U.S.DOLLARS <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-START> JAN-01-1998 <PERIOD-END> SEP-30-1998 <EXCHANGE-RATE> 1 <CASH> 4,314 <INT-BEARING-DEPOSITS> 42,780 <FED-FUNDS-SOLD> 4,700 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 4,251 <INVESTMENTS-CARRYING> 15,613 <INVESTMENTS-MARKET> 15,726 <LOANS> 46,205 <ALLOWANCE> 737 <TOTAL-ASSETS> 77,203 <DEPOSITS> 68,084 <SHORT-TERM> 0 <LIABILITIES-OTHER> 751 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 13,630 <OTHER-SE> 0 <TOTAL-LIABILITIES-AND-EQUITY> 77,203 <INTEREST-LOAN> 2,798 <INTEREST-INVEST> 562 <INTEREST-OTHER> 354 <INTEREST-TOTAL> 3,714 <INTEREST-DEPOSIT> 1,035 <INTEREST-EXPENSE> 1,035 <INTEREST-INCOME-NET> 2,679 <LOAN-LOSSES> 117 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 2,850 <INCOME-PRETAX> 144 <INCOME-PRE-EXTRAORDINARY> 144 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 141 <EPS-PRIMARY> 0.04 <EPS-DILUTED> 0.04 <YIELD-ACTUAL> 7.51 <LOANS-NON> 7 <LOANS-PAST> 257 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 747 <CHARGE-OFFS> 117 <RECOVERIES> 107 <ALLOWANCE-CLOSE> 737 <ALLOWANCE-DOMESTIC> 737 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 737