<ARTICLE> 9 <LEGEND> This schedule contains summary financial information extracted from the Balance Sheet, and Statement of Income, 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-END> SEP-30-1998 <CASH> 13,137 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 22,900 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 1,601 <INVESTMENTS-CARRYING> 10,644 <INVESTMENTS-MARKET> 10,846 <LOANS> 102,684 <ALLOWANCE> 2,001 <TOTAL-ASSETS> 151,605 <DEPOSITS> 133,052 <SHORT-TERM> 2,500 <LIABILITIES-OTHER> 2,247 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 4,887 <OTHER-SE> 8,919 <TOTAL-LIABILITIES-AND-EQUITY> 151,605 <INTEREST-LOAN> 7,554 <INTEREST-INVEST> 647 <INTEREST-OTHER> 516 <INTEREST-TOTAL> 8,717 <INTEREST-DEPOSIT> 2,662 <INTEREST-EXPENSE> 2,728 <INTEREST-INCOME-NET> 5,989 <LOAN-LOSSES> 160 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 4,735 <INCOME-PRETAX> 2,955 <INCOME-PRE-EXTRAORDINARY> 2,955 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,722 <EPS-PRIMARY> 1.75 <EPS-DILUTED> 1.69 <YIELD-ACTUAL> 8.86 <LOANS-NON> 145 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,001 <CHARGE-OFFS> 72 <RECOVERIES> 275 <ALLOWANCE-CLOSE> 2,001 <ALLOWANCE-DOMESTIC> 2,001 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0