<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM QUARTERLY
REPORT ON FORM 10-Q FOR THE QUARTERLY PERIOD ENDED SEPTEMBER 30, 1998 AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               SEP-30-1998
<CASH>                                           3,386
<INT-BEARING-DEPOSITS>                          19,896
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     43,750
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        104,178
<ALLOWANCE>                                      2,752
<TOTAL-ASSETS>                                 178,189
<DEPOSITS>                                     145,460
<SHORT-TERM>                                       710
<LIABILITIES-OTHER>                                224
<LONG-TERM>                                     15,536
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         1,361
<OTHER-SE>                                      14,898
<TOTAL-LIABILITIES-AND-EQUITY>                 178,189
<INTEREST-LOAN>                                  7,441
<INTEREST-INVEST>                                1,403
<INTEREST-OTHER>                                   656
<INTEREST-TOTAL>                                 9,500
<INTEREST-DEPOSIT>                               3,817
<INTEREST-EXPENSE>                               4,673
<INTEREST-INCOME-NET>                            4,827
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                 104
<EXPENSE-OTHER>                                  4,154
<INCOME-PRETAX>                                  1,855
<INCOME-PRE-EXTRAORDINARY>                       1,855
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,198
<EPS-PRIMARY>                                     0.88
<EPS-DILUTED>                                     0.87
<YIELD-ACTUAL>                                    9.35
<LOANS-NON>                                        256
<LOANS-PAST>                                       111
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    592
<ALLOWANCE-OPEN>                                 2,665
<CHARGE-OFFS>                                       40
<RECOVERIES>                                       127
<ALLOWANCE-CLOSE>                                2,752
<ALLOWANCE-DOMESTIC>                             2,752
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0