<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   9-MOS
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<PERIOD-END>                               SEP-30-1998
<CASH>                                           4,635
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<ALLOWANCE>                                      1,057
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<SHORT-TERM>                                     3,500
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<LONG-TERM>                                          0
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<COMMON>                                           200
<OTHER-SE>                                      19,946
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<INTEREST-LOAN>                                  9,383
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<INTEREST-DEPOSIT>                               5,527
<INTEREST-EXPENSE>                               5,555
<INTEREST-INCOME-NET>                            5,448
<LOAN-LOSSES>                                      385
<SECURITIES-GAINS>                                   0
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<INCOME-PRETAX>                                  2,127
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<ALLOWANCE-FOREIGN>                                  0
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