<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS 9-MOS <FISCAL-YEAR-END> DEC-31-1998 DEC-31-1998 <PERIOD-START> JUL-01-1998 JAN-01-1998 <PERIOD-END> SEP-30-1998 SEP-30-1998 <CASH> 0 7,647 <INT-BEARING-DEPOSITS> 0 0 <FED-FUNDS-SOLD> 0 7,275 <TRADING-ASSETS> 0 0 <INVESTMENTS-HELD-FOR-SALE> 0 32,939 <INVESTMENTS-CARRYING> 0 1,798 <INVESTMENTS-MARKET> 0 1,798 <LOANS> 0 81,985 <ALLOWANCE> 0 1,658 <TOTAL-ASSETS> 0 135,710 <DEPOSITS> 0 125,402 <SHORT-TERM> 0 0 <LIABILITIES-OTHER> 0 764 <LONG-TERM> 0 0 <PREFERRED-MANDATORY> 0 0 <PREFERRED> 0 0 <COMMON> 0 7,207 <OTHER-SE> 0 2,337 <TOTAL-LIABILITIES-AND-EQUITY> 0 135,710 <INTEREST-LOAN> 2,010 6,043 <INTEREST-INVEST> 533 1,330 <INTEREST-OTHER> 100 527 <INTEREST-TOTAL> 2,643 7,900 <INTEREST-DEPOSIT> 879 2,627 <INTEREST-EXPENSE> 879 2,627 <INTEREST-INCOME-NET> 1,764 5,273 <LOAN-LOSSES> 75 265 <SECURITIES-GAINS> 0 0 <EXPENSE-OTHER> 1,680 4,515 <INCOME-PRETAX> 318 1,354 <INCOME-PRE-EXTRAORDINARY> 318 1,354 <EXTRAORDINARY> 0 0 <CHANGES> 0 0 <NET-INCOME> 206 836 <EPS-PRIMARY> 0.26 1.07 <EPS-DILUTED> 0.25 1.01 <YIELD-ACTUAL> 5.69 5.69 <LOANS-NON> 0 1,422 <LOANS-PAST> 0 0 <LOANS-TROUBLED> 0 0 <LOANS-PROBLEM> 0 0 <ALLOWANCE-OPEN> 1,617 1,566 <CHARGE-OFFS> 40 244 <RECOVERIES> 6 71 <ALLOWANCE-CLOSE> 1,658 1,658 <ALLOWANCE-DOMESTIC> 1,658 1,658 <ALLOWANCE-FOREIGN> 0 0 <ALLOWANCE-UNALLOCATED> 0 0