<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-END> SEP-30-1998 <CASH> 8,989 <INT-BEARING-DEPOSITS> 286 <FED-FUNDS-SOLD> 5,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 32,704 <INVESTMENTS-CARRYING> 10,553 <INVESTMENTS-MARKET> 10,617 <LOANS> 104,976 <ALLOWANCE> 1,062 <TOTAL-ASSETS> 166,562 <DEPOSITS> 151,431 <SHORT-TERM> 306 <LIABILITIES-OTHER> 1,134 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 10,400 <OTHER-SE> 3,291 <TOTAL-LIABILITIES-AND-EQUITY> 166,562 <INTEREST-LOAN> 7,790 <INTEREST-INVEST> 1,576 <INTEREST-OTHER> 370 <INTEREST-TOTAL> 9,736 <INTEREST-DEPOSIT> 3,435 <INTEREST-EXPENSE> 3,453 <INTEREST-INCOME-NET> 6,283 <LOAN-LOSSES> 0 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 4,975 <INCOME-PRETAX> 1,972 <INCOME-PRE-EXTRAORDINARY> 1,972 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,165 <EPS-PRIMARY> .56 <EPS-DILUTED> .53 <YIELD-ACTUAL> 9.26 <LOANS-NON> 544 <LOANS-PAST> 40 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,007 <CHARGE-OFFS> 17 <RECOVERIES> 2 <ALLOWANCE-CLOSE> 1,062 <ALLOWANCE-DOMESTIC> 867 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 195