<ARTICLE>                                            9

<LEGEND>
     THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL  INFORMATION  DERIVED FROM THE
QUARTERLY  REPORT ON FORM 10-Q AND IS  QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH FINANCIAL INFORMATION.
</LEGEND>

<MULTIPLIER>                                   1000
       
                                            
<PERIOD-TYPE>                                  9-MOS
<FISCAL-YEAR-END>                              DEC-31-1997
<PERIOD-END>                                   SEP-30-1998
<CASH>                                           7,839
<INT-BEARING-DEPOSITS>                           1,200
<FED-FUNDS-SOLD>                                 9,575
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     53,786
<INVESTMENTS-CARRYING>                           7,659
<INVESTMENTS-MARKET>                             8,028
<LOANS>                                        187,211
<ALLOWANCE>                                      3,227
<TOTAL-ASSETS>                                 276,827
<DEPOSITS>                                     236,338
<SHORT-TERM>                                     4,897
<LIABILITIES-OTHER>                              6,664
<LONG-TERM>                                      2,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           180
<OTHER-SE>                                      26,748
<TOTAL-LIABILITIES-AND-EQUITY>                 276,827
<INTEREST-LOAN>                                 12,157
<INTEREST-INVEST>                                2,797
<INTEREST-OTHER>                                    76
<INTEREST-TOTAL>                                15,030
<INTEREST-DEPOSIT>                               5,961
<INTEREST-EXPENSE>                               6,331
<INTEREST-INCOME-NET>                            8,699
<LOAN-LOSSES>                                      540
<SECURITIES-GAINS>                                  26
<EXPENSE-OTHER>                                  5,945
<INCOME-PRETAX>                                  3,438
<INCOME-PRE-EXTRAORDINARY>                       3,438
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,401
<EPS-PRIMARY>                                     1.43
<EPS-DILUTED>                                     1.43
<YIELD-ACTUAL>                                    4.75
<LOANS-NON>                                        560
<LOANS-PAST>                                         9
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 3,250
<CHARGE-OFFS>                                      677
<RECOVERIES>                                       114
<ALLOWANCE-CLOSE>                                3,227
<ALLOWANCE-DOMESTIC>                             3,227
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,743