<ARTICLE> 9
<MULTIPLIER> 1000
       
                                          
<PERIOD-TYPE>                                     9-MOS
<FISCAL-YEAR-END>                           DEC-31-1998
<PERIOD-END>                                SEP-30-1998
<CASH>                                           11595
<INT-BEARING-DEPOSITS>                           18610
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      68244
<INVESTMENTS-CARRYING>                           22961
<INVESTMENTS-MARKET>                             24454
<LOANS>                                         255627
<ALLOWANCE>                                       3368
<TOTAL-ASSETS>                                  388877
<DEPOSITS>                                      309109
<SHORT-TERM>                                     23860
<LIABILITIES-OTHER>                               3428
<LONG-TERM>                                      13250
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                          3045
<OTHER-SE>                                       36185
<TOTAL-LIABILITIES-AND-EQUITY>                       0
<INTEREST-LOAN>                                  16425
<INTEREST-INVEST>                                 3686
<INTEREST-OTHER>                                   227
<INTEREST-TOTAL>                                 20338
<INTEREST-DEPOSIT>                                8240
<INTEREST-EXPENSE>                                1397
<INTEREST-INCOME-NET>                            10701
<LOAN-LOSSES>                                      720
<SECURITIES-GAINS>                                 563
<EXPENSE-OTHER>                                   8811
<INCOME-PRETAX>                                   4838
<INCOME-PRE-EXTRAORDINARY>                        4838
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                      3653
<EPS-PRIMARY>                                     1.34
<EPS-DILUTED>                                     1.32
<YIELD-ACTUAL>                                    8.21
<LOANS-NON>                                        914
<LOANS-PAST>                                      2150
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                  3304
<CHARGE-OFFS>                                      744
<RECOVERIES>                                        88
<ALLOWANCE-CLOSE>                                 3368
<ALLOWANCE-DOMESTIC>                              3368
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            433