<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               SEP-30-1998
<CASH>                                      12,143,000
<INT-BEARING-DEPOSITS>                       9,341,000
<FED-FUNDS-SOLD>                            31,530,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 51,314,000
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                     85,398,000
<ALLOWANCE>                                  2,431,000
<TOTAL-ASSETS>                             189,891,000
<DEPOSITS>                                 166,724,000
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                          3,383,000
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                    15,824,000
<OTHER-SE>                                   3,960,000
<TOTAL-LIABILITIES-AND-EQUITY>             189,891,000
<INTEREST-LOAN>                              5,756,000
<INTEREST-INVEST>                            2,040,000
<INTEREST-OTHER>                             1,437,000
<INTEREST-TOTAL>                             9,233,000
<INTEREST-DEPOSIT>                           2,525,000
<INTEREST-EXPENSE>                           2,528,000
<INTEREST-INCOME-NET>                        6,705,000
<LOAN-LOSSES>                                   14,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              5,195,000
<INCOME-PRETAX>                              2,112,000
<INCOME-PRE-EXTRAORDINARY>                   1,244,000
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 1,244,000
<EPS-PRIMARY>                                     0.49
<EPS-DILUTED>                                     0.46
<YIELD-ACTUAL>                                    .057
<LOANS-NON>                                    469,000
<LOANS-PAST>                                   238,000
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             2,400,000
<CHARGE-OFFS>                                   19,000
<RECOVERIES>                                    36,000
<ALLOWANCE-CLOSE>                            2,431,000
<ALLOWANCE-DOMESTIC>                         2,431,000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0