<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM SEPTEMBER
30, 1998 FINANCIAL STATEMENTS AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
<CURRENCY> U.S. DOLLARS
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               SEP-30-1998
<EXCHANGE-RATE>                                      1
<CASH>                                          14,711
<INT-BEARING-DEPOSITS>                           3,860
<FED-FUNDS-SOLD>                                18,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    109,772
<INVESTMENTS-CARRYING>                          18,298
<INVESTMENTS-MARKET>                            18,834
<LOANS>                                        142,382
<ALLOWANCE>                                      3,537
<TOTAL-ASSETS>                                 311,993
<DEPOSITS>                                     262,880
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                             11,067
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           775
<OTHER-SE>                                      35,294
<TOTAL-LIABILITIES-AND-EQUITY>                 311,993
<INTEREST-LOAN>                                 10,033
<INTEREST-INVEST>                                5,101
<INTEREST-OTHER>                                 1,109
<INTEREST-TOTAL>                                16,243
<INTEREST-DEPOSIT>                               6,769
<INTEREST-EXPENSE>                               7,143
<INTEREST-INCOME-NET>                            9,100
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  4,916
<INCOME-PRETAX>                                  6,125
<INCOME-PRE-EXTRAORDINARY>                       4,199
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     4,199
<EPS-PRIMARY>                                    14.97
<EPS-DILUTED>                                    14.97
<YIELD-ACTUAL>                                    4.42
<LOANS-NON>                                        313
<LOANS-PAST>                                       995
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 3,603
<CHARGE-OFFS>                                      303
<RECOVERIES>                                       237
<ALLOWANCE-CLOSE>                                3,537
<ALLOWANCE-DOMESTIC>                             3,537
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0