<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               DEC-31-1998
<CASH>                                          18,243
<INT-BEARING-DEPOSITS>                              99
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    113,828
<INVESTMENTS-CARRYING>                         227,744
<INVESTMENTS-MARKET>                           228,849
<LOANS>                                        170,478
<ALLOWANCE>                                      1,850
<TOTAL-ASSETS>                                 436,312
<DEPOSITS>                                     390,659
<SHORT-TERM>                                     3,518
<LIABILITIES-OTHER>                                700
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         5,176
<OTHER-SE>                                      36,259
<TOTAL-LIABILITIES-AND-EQUITY>                 436,312
<INTEREST-LOAN>                                 12,282
<INTEREST-INVEST>                               10,834
<INTEREST-OTHER>                                   306
<INTEREST-TOTAL>                                23,422
<INTEREST-DEPOSIT>                               9,993
<INTEREST-EXPENSE>                              10,128
<INTEREST-INCOME-NET>                           13,294
<LOAN-LOSSES>                                      239
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  9,058
<INCOME-PRETAX>                                  6,489
<INCOME-PRE-EXTRAORDINARY>                       6,489
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     4,460
<EPS-PRIMARY>                                     1.08
<EPS-DILUTED>                                     1.04
<YIELD-ACTUAL>                                    7.13
<LOANS-NON>                                          5
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,016
<CHARGE-OFFS>                                       81
<RECOVERIES>                                        15
<ALLOWANCE-CLOSE>                                1,850
<ALLOWANCE-DOMESTIC>                             1,850
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0