<ARTICLE>  9
<MULTIPLIER>  1,000
       
                                                    
<PERIOD-TYPE>                                                9-MOS
<FISCAL-YEAR-END>                                      DEC-31-1998
<PERIOD-END>                                           SEP-30-1998

<CASH>                                                      18,455
<INT-BEARING-DEPOSITS>                                         149
<FED-FUNDS-SOLD>                                            14,300

<TRADING-ASSETS>                                                 0
<INVESTMENTS-HELD-FOR-SALE>                                 78,919
<INVESTMENTS-CARRYING>                                      39,590
<INVESTMENTS-MARKET>                                        40,221

<LOANS>                                                    315,227
<ALLOWANCE>                                                  4,650
<TOTAL-ASSETS>                                             476,956

<DEPOSITS>                                                 411,584
<SHORT-TERM>                                                 3,000
<LIABILITIES-OTHER>                                          8,630
<LONG-TERM>                                                 14,000

<PREFERRED-MANDATORY>                                            0
<PREFERRED>                                                      0
<COMMON>                                                    30,258
<OTHER-SE>                                                   9,484
<TOTAL-LIABILITIES-AND-EQUITY>                             476,956

<INTEREST-LOAN>                                             21,506
<INTEREST-INVEST>                                            4,748
<INTEREST-OTHER>                                               624
<INTEREST-TOTAL>                                            26,878
<INTEREST-DEPOSIT>                                          11,488
<INTEREST-EXPENSE>                                          12,233
<INTEREST-INCOME-NET>                                       14,645

<LOAN-LOSSES>                                                  917
<SECURITIES-GAINS>                                               0

<EXPENSE-OTHER>                                             13,676
<INCOME-PRETAX>                                              6,497
<INCOME-PRE-EXTRAORDINARY>                                   6,497
<EXTRAORDINARY>                                                  0
<CHANGES>                                                        0
<NET-INCOME>                                                 4,337

<EPS-PRIMARY>                                                 1.47
<EPS-DILUTED>                                                 1.37

<YIELD-ACTUAL>                                                4.67



<LOANS-NON>                                                  1,055
<LOANS-PAST>                                                   167
<LOANS-TROUBLED>                                               367
<LOANS-PROBLEM>                                              2,601

<ALLOWANCE-OPEN>                                             4,125
<CHARGE-OFFS>                                                  563
<RECOVERIES>                                                   171
<ALLOWANCE-CLOSE>                                            4,650
<ALLOWANCE-DOMESTIC>                                         4,650
<ALLOWANCE-FOREIGN>                                              0
<ALLOWANCE-UNALLOCATED>                                      2,417