<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