<ARTICLE> 9 <LEGEND> THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION DERIVED FROM THE QUARTERLY REPORT ON FORM 10-QSB AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL INFORMATION. </LEGEND> <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> Dec-31-1998 <PERIOD-END> Sep-30-1998 <CASH> 994 <INT-BEARING-DEPOSITS> 9,436 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 2,608 <INVESTMENTS-CARRYING> 3,141 <INVESTMENTS-MARKET> 3,152 <LOANS> 165,235 <ALLOWANCE> 841 <TOTAL-ASSETS> 185,891 <DEPOSITS> 152,655 <SHORT-TERM> 5,000 <LIABILITIES-OTHER> 3,047 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 219 <OTHER-SE> 24,970 <TOTAL-LIABILITIES-AND-EQUITY> 185,891 <INTEREST-LOAN> 10,557 <INTEREST-INVEST> 783 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 11,340 <INTEREST-DEPOSIT> 5,495 <INTEREST-EXPENSE> 771 <INTEREST-INCOME-NET> 5,074 <LOAN-LOSSES> 90 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 3,449 <INCOME-PRETAX> 3,140 <INCOME-PRE-EXTRAORDINARY> 3,140 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,856 <EPS-PRIMARY> 1.03 <EPS-DILUTED> 1.00 <YIELD-ACTUAL> 3.48 <LOANS-NON> 84 <LOANS-PAST> 225 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 321 <ALLOWANCE-OPEN> 763 <CHARGE-OFFS> 23 <RECOVERIES> 11 <ALLOWANCE-CLOSE> 841 <ALLOWANCE-DOMESTIC> 841 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0