<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>                                   1000
       
                                            
<PERIOD-TYPE>                                  9-MOS
<FISCAL-YEAR-END>                              DEC-31-1998
<PERIOD-END>                                   SEP-30-1998
<CASH>                                           7,925
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     25,025
<INVESTMENTS-CARRYING>                          25,142
<INVESTMENTS-MARKET>                            25,438
<LOANS>                                         43,680
<ALLOWANCE>                                        191
<TOTAL-ASSETS>                                 105,496
<DEPOSITS>                                      81,336
<SHORT-TERM>                                     6,200
<LIABILITIES-OTHER>                              1,997
<LONG-TERM>                                      1,893
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           155
<OTHER-SE>                                      21,048
<TOTAL-LIABILITIES-AND-EQUITY>                 105,496
<INTEREST-LOAN>                                  2,685
<INTEREST-INVEST>                                2,046
<INTEREST-OTHER>                                   349
<INTEREST-TOTAL>                                 5,080
<INTEREST-DEPOSIT>                               2,832
<INTEREST-EXPENSE>                               2,875
<INTEREST-INCOME-NET>                            2,205
<LOAN-LOSSES>                                       23
<SECURITIES-GAINS>                                   3
<EXPENSE-OTHER>                                  1,838
<INCOME-PRETAX>                                    965
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       584
<EPS-PRIMARY>                                      .41
<EPS-DILUTED>                                      .41
<YIELD-ACTUAL>                                       0
<LOANS-NON>                                          9
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      7
<ALLOWANCE-OPEN>                                   190
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         1
<ALLOWANCE-CLOSE>                                  198
<ALLOWANCE-DOMESTIC>                               198
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            198