<ARTICLE>           9
<MULTIPLIER>        1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JUL-01-1998
<PERIOD-END>                               SEP-30-1998
<CASH>                                          17,342
<INT-BEARING-DEPOSITS>                          63,000
<FED-FUNDS-SOLD>                                34,716
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     34,417
<INVESTMENTS-CARRYING>                          64,178
<INVESTMENTS-MARKET>                            64,800
<LOANS>                                        215,121
<ALLOWANCE>                                      4,473
<TOTAL-ASSETS>                                 443,175
<DEPOSITS>                                     186,261
<SHORT-TERM>                                       211
<LIABILITIES-OTHER>                            200,206
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         2,000
<OTHER-SE>                                      54,497
<TOTAL-LIABILITIES-AND-EQUITY>                 443,175
<INTEREST-LOAN>                                  4,525
<INTEREST-INVEST>                                1,579
<INTEREST-OTHER>                                 1,367
<INTEREST-TOTAL>                                 7,471
<INTEREST-DEPOSIT>                               1,043
<INTEREST-EXPENSE>                               1,045
<INTEREST-INCOME-NET>                            6,426
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  8,887
<INCOME-PRETAX>                                  2,943
<INCOME-PRE-EXTRAORDINARY>                       2,943
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,891
<EPS-PRIMARY>                                      .49
<EPS-DILUTED>                                      .48
<YIELD-ACTUAL>                                    6.07
<LOANS-NON>                                        547
<LOANS-PAST>                                       274
<LOANS-TROUBLED>                                   150
<LOANS-PROBLEM>                                    670
<ALLOWANCE-OPEN>                                 4,569
<CHARGE-OFFS>                                      105
<RECOVERIES>                                         9
<ALLOWANCE-CLOSE>                                4,473
<ALLOWANCE-DOMESTIC>                                 0<F1>
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0<F1>
<FN>
<F1>TO BE DOCUMENTED IN THE DEC-31-1998 STATEMENTS.