<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION FROM THE FORM 10-Q AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               SEP-30-1998
<CASH>                                           9,509
<INT-BEARING-DEPOSITS>                           2,373
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      5,273
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        199,263
<ALLOWANCE>                                          0
<TOTAL-ASSETS>                                 251,675
<DEPOSITS>                                     192,101
<SHORT-TERM>                                    28,968
<LIABILITIES-OTHER>                             12,080
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                               20
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                      18,505
<TOTAL-LIABILITIES-AND-EQUITY>                 251,675
<INTEREST-LOAN>                                 12,291
<INTEREST-INVEST>                                  113
<INTEREST-OTHER>                                   664
<INTEREST-TOTAL>                                13,068
<INTEREST-DEPOSIT>                               6,950
<INTEREST-EXPENSE>                               8,548
<INTEREST-INCOME-NET>                            4,520
<LOAN-LOSSES>                                      295
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 13,268
<INCOME-PRETAX>                                    613
<INCOME-PRE-EXTRAORDINARY>                         613
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       626
<EPS-PRIMARY>                                      .32
<EPS-DILUTED>                                      .30
<YIELD-ACTUAL>                                       0<F1>
<LOANS-NON>                                      6,471
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  2,673
<ALLOWANCE-OPEN>                                     0
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                    0<F1>
<ALLOWANCE-DOMESTIC>                                 0<F1>
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0<F1>
<FN>
<F1>This information is not disclosed in the Form 10-Q
</FN>