<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