<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-START> JAN-01-1998 <PERIOD-END> SEP-30-1998 <CASH> 6,700 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 3,700 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 48,818 <INVESTMENTS-CARRYING> 1,705 <INVESTMENTS-MARKET> 1,754 <LOANS> 81,917 <ALLOWANCE> 1,375 <TOTAL-ASSETS> 157,077 <DEPOSITS> 142,848 <SHORT-TERM> 0 <LIABILITIES-OTHER> 687 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 7,566 <OTHER-SE> 5,976 <TOTAL-LIABILITIES-AND-EQUITY> 157,077 <INTEREST-LOAN> 5,448 <INTEREST-INVEST> 2,696 <INTEREST-OTHER> 258 <INTEREST-TOTAL> 8,402 <INTEREST-DEPOSIT> 3,075 <INTEREST-EXPENSE> 3,075 <INTEREST-INCOME-NET> 5,327 <LOAN-LOSSES> 120 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 5,594 <INCOME-PRETAX> 958 <INCOME-PRE-EXTRAORDINARY> 958 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 711 <EPS-PRIMARY> 0.53 <EPS-DILUTED> 0.50 <YIELD-ACTUAL> 5.42 <LOANS-NON> 223 <LOANS-PAST> 59 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,313 <CHARGE-OFFS> 122 <RECOVERIES> 64 <ALLOWANCE-CLOSE> 1,375 <ALLOWANCE-DOMESTIC> 1,375 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1,017