<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               SEP-30-1998
<CASH>                                          11,271
<INT-BEARING-DEPOSITS>                             150
<FED-FUNDS-SOLD>                                16,165
<TRADING-ASSETS>                                     0
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<INVESTMENTS-CARRYING>                          27,838
<INVESTMENTS-MARKET>                            28,154
<LOANS>                                        254,627
<ALLOWANCE>                                      2,513
<TOTAL-ASSETS>                                 357,023
<DEPOSITS>                                     309,746
<SHORT-TERM>                                    10,980
<LIABILITIES-OTHER>                              2,311
<LONG-TERM>                                      7,000
<PREFERRED-MANDATORY>                                0
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<COMMON>                                             0
<OTHER-SE>                                           0
<TOTAL-LIABILITIES-AND-EQUITY>                 357,023
<INTEREST-LOAN>                                 15,553
<INTEREST-INVEST>                                2,848
<INTEREST-OTHER>                                   266
<INTEREST-TOTAL>                                18,667
<INTEREST-DEPOSIT>                               8,294
<INTEREST-EXPENSE>                               8,722
<INTEREST-INCOME-NET>                            9,945
<LOAN-LOSSES>                                       19
<SECURITIES-GAINS>                                 141
<EXPENSE-OTHER>                                  7,396
<INCOME-PRETAX>                                  4,278
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<EXTRAORDINARY>                                      0
<CHANGES>                                            0
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<EPS-PRIMARY>                                     0.70
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<YIELD-ACTUAL>                                    4.23
<LOANS-NON>                                        345
<LOANS-PAST>                                       218
<LOANS-TROUBLED>                                     0
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<ALLOWANCE-OPEN>                                 2,848
<CHARGE-OFFS>                                      422
<RECOVERIES>                                        68
<ALLOWANCE-CLOSE>                                2,513
<ALLOWANCE-DOMESTIC>                             2,513
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0