<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
REGISTRANT'S SEPTEMBER 30, 1998 UNAUDITED BALANCE SHEET, INCOME STATEMENT
AND CASH FLOW STATEMENT, AND NOTES THERETO, AND IS QUALIFIED IN ITS
ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENT.
</LEGEND>
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-30-1998
<PERIOD-END>                               SEP-30-1998
<CASH>                                      11,512,000
<INT-BEARING-DEPOSITS>                       5,880,000
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                             3,093,000
<INVESTMENTS-HELD-FOR-SALE>                189,766,000
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                    417,229,000
<ALLOWANCE>                                  5,435,000
<TOTAL-ASSETS>                             650,255,000
<DEPOSITS>                                 445,801,000
<SHORT-TERM>                               146,200,000
<LIABILITIES-OTHER>                          2,723,000
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        25,000
<OTHER-SE>                                  55,506,000
<TOTAL-LIABILITIES-AND-EQUITY>             650,255,000
<INTEREST-LOAN>                              8,167,000
<INTEREST-INVEST>                            3,003,000
<INTEREST-OTHER>                               131,000
<INTEREST-TOTAL>                            11,301,000
<INTEREST-DEPOSIT>                           4,353,000
<INTEREST-EXPENSE>                           6,311,000
<INTEREST-INCOME-NET>                        4,990,000
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                           (282,000)
<EXPENSE-OTHER>                              4,008,000
<INCOME-PRETAX>                              1,891,000
<INCOME-PRE-EXTRAORDINARY>                   1,213,000
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 1,213,000
<EPS-PRIMARY>                                     0.51
<EPS-DILUTED>                                     0.48
<YIELD-ACTUAL>                                    3.19
<LOANS-NON>                                  3,391,000
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                               329,000
<LOANS-PROBLEM>                              6,800,000
<ALLOWANCE-OPEN>                             5,374,000
<CHARGE-OFFS>                                  102,000
<RECOVERIES>                                   163,000
<ALLOWANCE-CLOSE>                            5,435,000
<ALLOWANCE-DOMESTIC>                         5,435,000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0