<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