<ARTICLE> 9 <LEGEND> THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE QUARTERLY REPORT ON FORM 10-Q FOR THE PERIOD ENDED SEPTEMBER 30, 1998 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS. </LEGEND> <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-END> SEP-30-1998 <CASH> 3,380 <INT-BEARING-DEPOSITS> 1,045 <FED-FUNDS-SOLD> 1,731 <TRADING-ASSETS> 1,625 <INVESTMENTS-HELD-FOR-SALE> 11,910 <INVESTMENTS-CARRYING> 594 <INVESTMENTS-MARKET> 602 <LOANS> 45,747 <ALLOWANCE> (740) <TOTAL-ASSETS> 73,834 <DEPOSITS> 46,420 <SHORT-TERM> 12,886 <LIABILITIES-OTHER> 3,710 <LONG-TERM> 5,759<F1> <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 307 <OTHER-SE> 4,408 <TOTAL-LIABILITIES-AND-EQUITY> 73,834 <INTEREST-LOAN> 3,134 <INTEREST-INVEST> 576 <INTEREST-OTHER> 427 <INTEREST-TOTAL> 4,137 <INTEREST-DEPOSIT> 1,385 <INTEREST-EXPENSE> 2,269 <INTEREST-INCOME-NET> 1,868 <LOAN-LOSSES> 260 <SECURITIES-GAINS> 53 <EXPENSE-OTHER> 635 <INCOME-PRETAX> 945 <INCOME-PRE-EXTRAORDINARY> 945 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 585 <EPS-PRIMARY> 1.96 <EPS-DILUTED> 1.94 <YIELD-ACTUAL> 4.07 <LOANS-NON> 366 <LOANS-PAST> 34 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 712 <CHARGE-OFFS> (309) <RECOVERIES> 58 <ALLOWANCE-CLOSE> 740 <ALLOWANCE-DOMESTIC> 454 <ALLOWANCE-FOREIGN> 222 <ALLOWANCE-UNALLOCATED> 64 <FN> <F1>INCLUDES GUARANTEED PREFERRED BENEFICIAL INTERESTS IN THE CORPORATION'S JUNIOR SUBORDINATED DEBENTURES. </FN>