<ARTICLE> 9 <LEGEND> THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS. </LEGEND> <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS 9-MOS <FISCAL-YEAR-END> DEC-31-1998 DEC-31-1997 <PERIOD-START> JAN-01-1998 JAN-01-1997 <PERIOD-END> SEP-30-1998 SEP-30-1997 <CASH> 15,891 20,352 <INT-BEARING-DEPOSITS> 255,888 195,997 <FED-FUNDS-SOLD> 76,950 7,400 <TRADING-ASSETS> 0 0 <INVESTMENTS-HELD-FOR-SALE> 31,133 31,133 <INVESTMENTS-CARRYING> 26,461 30,107 <INVESTMENTS-MARKET> 27,377 30,467 <LOANS> 219,635 220,269 <ALLOWANCE> 4,375 4,638 <TOTAL-ASSETS> 374,844 313,900 <DEPOSITS> 328,254 273,377 <SHORT-TERM> 0 0 <LIABILITIES-OTHER> 5,071 3,352 <LONG-TERM> 0 0 <PREFERRED-MANDATORY> 0 0 <PREFERRED> 0 0 <COMMON> 33,600 31,278 <OTHER-SE> 7,919 5,893 <TOTAL-LIABILITIES-AND-EQUITY> 374,844 313,900 <INTEREST-LOAN> 16,993 15,612 <INTEREST-INVEST> 4,323 3,488 <INTEREST-OTHER> 0 0 <INTEREST-TOTAL> 21,316 19,100 <INTEREST-DEPOSIT> 6,301 5,328 <INTEREST-EXPENSE> 6,301 5,367 <INTEREST-INCOME-NET> 15,015 13,733 <LOAN-LOSSES> 113 75 <SECURITIES-GAINS> 0 0 <EXPENSE-OTHER> 9,355 8,852 <INCOME-PRETAX> 7,100 5,495 <INCOME-PRE-EXTRAORDINARY> 7,100 5,495 <EXTRAORDINARY> 0 0 <CHANGES> 0 0 <NET-INCOME> 4,225 3,425 <EPS-PRIMARY> .92 .74 <EPS-DILUTED> .87 .70 <YIELD-ACTUAL> 6.36 6.72 <LOANS-NON> 494 3,465 <LOANS-PAST> 719 192 <LOANS-TROUBLED> 0 0 <LOANS-PROBLEM> 0 0 <ALLOWANCE-OPEN> 4,351 4,969 <CHARGE-OFFS> 744 732 <RECOVERIES> 655 326 <ALLOWANCE-CLOSE> 4,375 4,638 <ALLOWANCE-DOMESTIC> 4,375 4,638 <ALLOWANCE-FOREIGN> 0 0 <ALLOWANCE-UNALLOCATED> 1,687 1,790