<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