<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-END> SEP-30-1998 <CASH> 5,947 <INT-BEARING-DEPOSITS> 18 <FED-FUNDS-SOLD> 1,116 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 45,875 <INVESTMENTS-CARRYING> 45,875 <INVESTMENTS-MARKET> 45,875 <LOANS> 156,209 <ALLOWANCE> 1,971 <TOTAL-ASSETS> 221,002 <DEPOSITS> 176,047 <SHORT-TERM> 5,593 <LIABILITIES-OTHER> 3,609 <LONG-TERM> 15,500 <COMMON> 214 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 20,253 <TOTAL-LIABILITIES-AND-EQUITY> 221,002 <INTEREST-LOAN> 9,367 <INTEREST-INVEST> 2,262 <INTEREST-OTHER> 203 <INTEREST-TOTAL> 11,832 <INTEREST-DEPOSIT> 4,838 <INTEREST-EXPENSE> 5,364 <INTEREST-INCOME-NET> 6,468 <LOAN-LOSSES> 225 <SECURITIES-GAINS> (1) <EXPENSE-OTHER> 4,650 <INCOME-PRETAX> 3,168 <INCOME-PRE-EXTRAORDINARY> 2,292 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,292 <EPS-PRIMARY> 2.24 <EPS-DILUTED> 2.24 <YIELD-ACTUAL> 4.75 <LOANS-NON> 620 <LOANS-PAST> 323 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,767 <CHARGE-OFFS> 42 <RECOVERIES> 21 <ALLOWANCE-CLOSE> 1,971 <ALLOWANCE-DOMESTIC> 1,971 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0