<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 <INVESTMENTS-HELD-FOR-SALE> 39,503 <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 <PREFERRED> 26,986 <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 <INCOME-PRE-EXTRAORDINARY> 4,278 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,634 <EPS-PRIMARY> 0.70 <EPS-DILUTED> 0.68 <YIELD-ACTUAL> 4.23 <LOANS-NON> 345 <LOANS-PAST> 218 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 563 <ALLOWANCE-OPEN> 2,848 <CHARGE-OFFS> 422 <RECOVERIES> 68 <ALLOWANCE-CLOSE> 2,513 <ALLOWANCE-DOMESTIC> 2,513 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0