<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-END> SEP-30-1998 <CASH> 8,915 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 1,484 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 41,767 <INVESTMENTS-CARRYING> 14,067 <INVESTMENTS-MARKET> 14,365 <LOANS> 149,546 <ALLOWANCE> 1,909 <TOTAL-ASSETS> 220,372 <DEPOSITS> 188,734 <SHORT-TERM> 3,443 <LIABILITIES-OTHER> 1,372 <LONG-TERM> 6,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 1,805 <OTHER-SE> 19,018 <TOTAL-LIABILITIES-AND-EQUITY> 220,372 <INTEREST-LOAN> 10,107 <INTEREST-INVEST> 2,193 <INTEREST-OTHER> 225 <INTEREST-TOTAL> 12,525 <INTEREST-DEPOSIT> 6,130 <INTEREST-EXPENSE> 6,543 <INTEREST-INCOME-NET> 5,982 <LOAN-LOSSES> 225 <SECURITIES-GAINS> 36 <EXPENSE-OTHER> 4,276 <INCOME-PRETAX> 2,552 <INCOME-PRE-EXTRAORDINARY> 2,552 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,747 <EPS-PRIMARY> 1.98 <EPS-DILUTED> 1.98 <YIELD-ACTUAL> 4.06 <LOANS-NON> 619 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 2,221 <ALLOWANCE-OPEN> 1,845 <CHARGE-OFFS> 165 <RECOVERIES> 4 <ALLOWANCE-CLOSE> 1,909 <ALLOWANCE-DOMESTIC> 1,909 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0