<ARTICLE> 9
<LEGEND>
THIS SCHEDULE OF FINANCIAL INFORMATION IS EXTRACTED FORM THE SEPTEMBER 30,
1998 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH 10-Q
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               SEP-30-1998
<CASH>                                           9,720
<INT-BEARING-DEPOSITS>                          16,132
<FED-FUNDS-SOLD>                                 4,230
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    100,978
<INVESTMENTS-CARRYING>                          55,975
<INVESTMENTS-MARKET>                            57,158
<LOANS>                                        233,229
<ALLOWANCE>                                      2,659
<TOTAL-ASSETS>                                 430,631
<DEPOSITS>                                     367,902
<SHORT-TERM>                                       188
<LIABILITIES-OTHER>                              4,125
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         9,482
<OTHER-SE>                                      48,934
<TOTAL-LIABILITIES-AND-EQUITY>                 430,631
<INTEREST-LOAN>                                 16,129
<INTEREST-INVEST>                                6,694
<INTEREST-OTHER>                                   821
<INTEREST-TOTAL>                                23,644
<INTEREST-DEPOSIT>                              10,334
<INTEREST-EXPENSE>                              10,344
<INTEREST-INCOME-NET>                           13,300
<LOAN-LOSSES>                                      319
<SECURITIES-GAINS>                                  99
<EXPENSE-OTHER>                                  8,326
<INCOME-PRETAX>                                  6,901
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     4,981
<EPS-PRIMARY>                                     1.31
<EPS-DILUTED>                                     1.31
<YIELD-ACTUAL>                                       0
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                     0
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                    0
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0