<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET AND THE CONSOLIDATED STATEMENT OF INCOME FILED AS
PART OF THE QUARTERLY REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1000
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               SEP-30-1998
<CASH>                                           8,672
<INT-BEARING-DEPOSITS>                           2,157
<FED-FUNDS-SOLD>                                12,273
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     22,780
<INVESTMENTS-CARRYING>                          59,163
<INVESTMENTS-MARKET>                            61,196
<LOANS>                                        189,545
<ALLOWANCE>                                      2,649
<TOTAL-ASSETS>                                 300,309
<DEPOSITS>                                     250,732
<SHORT-TERM>                                     7,611
<LIABILITIES-OTHER>                              1,190
<LONG-TERM>                                     10,341
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        16,557
<OTHER-SE>                                      13,878
<TOTAL-LIABILITIES-AND-EQUITY>                 300,309
<INTEREST-LOAN>                                 13,512
<INTEREST-INVEST>                                3,466
<INTEREST-OTHER>                                   416
<INTEREST-TOTAL>                                17,394
<INTEREST-DEPOSIT>                               7,854
<INTEREST-EXPENSE>                               8,572
<INTEREST-INCOME-NET>                            8,822
<LOAN-LOSSES>                                      774
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  5,020
<INCOME-PRETAX>                                  4,189
<INCOME-PRE-EXTRAORDINARY>                       3,178
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,178
<EPS-PRIMARY>                                     1.21
<EPS-DILUTED>                                     1.21
<YIELD-ACTUAL>                                    4.29
<LOANS-NON>                                        812
<LOANS-PAST>                                     2,085
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 2,349
<CHARGE-OFFS>                                      517
<RECOVERIES>                                        43
<ALLOWANCE-CLOSE>                                2,649
<ALLOWANCE-DOMESTIC>                             2,202
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            447