<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-START> JAN-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> 13,260 <INTEREST-INVEST> 5,167 <INTEREST-OTHER> 3,932 <INTEREST-TOTAL> 22,359 <INTEREST-DEPOSIT> 3,168 <INTEREST-EXPENSE> 3,176 <INTEREST-INCOME-NET> 19,183 <LOAN-LOSSES> 0 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 27,412 <INCOME-PRETAX> 8,589 <INCOME-PRE-EXTRAORDINARY> 8,589 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 5,534 <EPS-PRIMARY> 1.43 <EPS-DILUTED> 1.41 <YIELD-ACTUAL> 6.09 <LOANS-NON> 547 <LOANS-PAST> 274 <LOANS-TROUBLED> 150 <LOANS-PROBLEM> 670 <ALLOWANCE-OPEN> 4,484 <CHARGE-OFFS> 105 <RECOVERIES> 94 <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.