<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