<ARTICLE> 9 <LEGEND> THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE CONSOLIDATE BALANCE SHEET AND CONSOLIDATED STATEMENT OF INCOME AND COMPREHENSIVE INCOME FILED AS PART OF THE QUARTERLY REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH QUARTERLY REPORT ON FORM 10-Q. </LEGEND> <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-START> JAN-01-1998 <PERIOD-END> SEP-30-1998 <CASH> 17,192 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 4,500 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 29,403 <INVESTMENTS-CARRYING> 28,877 <INVESTMENTS-MARKET> 29,405 <LOANS> 161,262 <ALLOWANCE> 1,985 <TOTAL-ASSETS> 257,237 <DEPOSITS> 224,031 <SHORT-TERM> 0 <LIABILITIES-OTHER> 9,135 <LONG-TERM> 5,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 4,305 <OTHER-SE> 14,766 <TOTAL-LIABILITIES-AND-EQUITY> 257,237 <INTEREST-LOAN> 12,090 <INTEREST-INVEST> 2,474 <INTEREST-OTHER> 214 <INTEREST-TOTAL> 14,778 <INTEREST-DEPOSIT> 5,675 <INTEREST-EXPENSE> 5,996 <INTEREST-INCOME-NET> 8,812 <LOAN-LOSSES> 450 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 6,823 <INCOME-PRETAX> 3,676 <INCOME-PRE-EXTRAORDINARY> 3,676 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,729 <EPS-PRIMARY> 1.43 <EPS-DILUTED> 1.43 <YIELD-ACTUAL> 5.24 <LOANS-NON> 651 <LOANS-PAST> 658 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 3,466 <ALLOWANCE-OPEN> 1,863 <CHARGE-OFFS> 436 <RECOVERIES> 108 <ALLOWANCE-CLOSE> 1,985 <ALLOWANCE-DOMESTIC> 1,050 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 935