<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from SEC
Form 10-QSB and is qualified in its entirety by reference to such
financial statements.
</LEGEND>
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               SEP-30-1998
<CASH>                                           8,086
<INT-BEARING-DEPOSITS>                           1,539
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      2,001
<INVESTMENTS-CARRYING>                           1,650
<INVESTMENTS-MARKET>                             1,661
<LOANS>                                        125,754
<ALLOWANCE>                                        590
<TOTAL-ASSETS>                                 149,114
<DEPOSITS>                                     119,878
<SHORT-TERM>                                     4,000
<LIABILITIES-OTHER>                              1,972
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            21
<OTHER-SE>                                      23,243
<TOTAL-LIABILITIES-AND-EQUITY>                 149,114
<INTEREST-LOAN>                                  7,578
<INTEREST-INVEST>                                  179
<INTEREST-OTHER>                                   464
<INTEREST-TOTAL>                                 8,221
<INTEREST-DEPOSIT>                               3,712
<INTEREST-EXPENSE>                               3,780
<INTEREST-INCOME-NET>                            4,441
<LOAN-LOSSES>                                      117
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  3,881
<INCOME-PRETAX>                                  1,338
<INCOME-PRE-EXTRAORDINARY>                       1,338
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       779
<EPS-PRIMARY>                                     0.54
<EPS-DILUTED>                                     0.50
<YIELD-ACTUAL>                                    4.45
<LOANS-NON>                                          0
<LOANS-PAST>                                       178
<LOANS-TROUBLED>                                   147
<LOANS-PROBLEM>                                  1,865
<ALLOWANCE-OPEN>                                   497
<CHARGE-OFFS>                                       32
<RECOVERIES>                                         8
<ALLOWANCE-CLOSE>                                  590
<ALLOWANCE-DOMESTIC>                               590
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0