<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-START> JAN-01-1998 <PERIOD-END> SEP-30-1998 <CASH> 13,054 <INT-BEARING-DEPOSITS> 218,591 <FED-FUNDS-SOLD> 24,417 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 50,449 <INVESTMENTS-CARRYING> 11,850 <INVESTMENTS-MARKET> 11,850 <LOANS> 195,689 <ALLOWANCE> 2,257 <TOTAL-ASSETS> 302,849 <DEPOSITS> 267,702 <SHORT-TERM> 0 <LIABILITIES-OTHER> 1,779 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 8,262 <OTHER-SE> 25,106 <TOTAL-LIABILITIES-AND-EQUITY> 302,849 <INTEREST-LOAN> 14,026 <INTEREST-INVEST> 3,537 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 17,563 <INTEREST-DEPOSIT> 7,098 <INTEREST-EXPENSE> 7,098 <INTEREST-INCOME-NET> 10,465 <LOAN-LOSSES> 308 <SECURITIES-GAINS> 152 <EXPENSE-OTHER> 6,546 <INCOME-PRETAX> 5,452 <INCOME-PRE-EXTRAORDINARY> 5,452 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3,715 <EPS-PRIMARY> 1.34 <EPS-DILUTED> 1.29 <YIELD-ACTUAL> 8.29 <LOANS-NON> 1,084 <LOANS-PAST> 1,304 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 3,256 <ALLOWANCE-OPEN> 1,991 <CHARGE-OFFS> 164 <RECOVERIES> 150 <ALLOWANCE-CLOSE> 2,257 <ALLOWANCE-DOMESTIC> 2,257 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0