<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-START> JAN-01-1998 <PERIOD-END> SEP-30-1998 <CASH> 9,976 <INT-BEARING-DEPOSITS> 395 <FED-FUNDS-SOLD> 12,725 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 53,977 <INVESTMENTS-CARRYING> 2,220 <INVESTMENTS-MARKET> 2,202 <LOANS> 261,247 <ALLOWANCE> 4,773 <TOTAL-ASSETS> 356,025 <DEPOSITS> 305,541 <SHORT-TERM> 1,090 <LIABILITIES-OTHER> 2,889 <LONG-TERM> 14,029 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 22,175 <OTHER-SE> 10,301 <TOTAL-LIABILITIES-AND-EQUITY> 356,025 <INTEREST-LOAN> 19,239 <INTEREST-INVEST> 2,741 <INTEREST-OTHER> 825 <INTEREST-TOTAL> 22,805 <INTEREST-DEPOSIT> 10,791 <INTEREST-EXPENSE> 11,464 <INTEREST-INCOME-NET> 11,341 <LOAN-LOSSES> 780 <SECURITIES-GAINS> 31 <EXPENSE-OTHER> 8,115 <INCOME-PRETAX> 4,460 <INCOME-PRE-EXTRAORDINARY> 4,460 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3,048 <EPS-PRIMARY> 1.37 <EPS-DILUTED> 1.37 <YIELD-ACTUAL> 4.74 <LOANS-NON> 6,674 <LOANS-PAST> 871 <LOANS-TROUBLED> 15 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 4,575 <CHARGE-OFFS> 904 <RECOVERIES> 322 <ALLOWANCE-CLOSE> 4,773 <ALLOWANCE-DOMESTIC> 4,773 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0