<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               SEP-30-1998
<CASH>                                           8,110
<INT-BEARING-DEPOSITS>                               0
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<TRADING-ASSETS>                                     0
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<INVESTMENTS-CARRYING>                          24,700
<INVESTMENTS-MARKET>                            25,643
<LOANS>                                        164,259
<ALLOWANCE>                                      3,053
<TOTAL-ASSETS>                                 264,427
<DEPOSITS>                                     224,168
<SHORT-TERM>                                     6,197
<LIABILITIES-OTHER>                              1,732
<LONG-TERM>                                      5,125
<PREFERRED-MANDATORY>                                0
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<COMMON>                                         2,667
<OTHER-SE>                                      24,538
<TOTAL-LIABILITIES-AND-EQUITY>                 264,427
<INTEREST-LOAN>                                 11,948
<INTEREST-INVEST>                                3,557
<INTEREST-OTHER>                                   309
<INTEREST-TOTAL>                                15,814
<INTEREST-DEPOSIT>                               6,747
<INTEREST-EXPENSE>                               7,285
<INTEREST-INCOME-NET>                            8,529
<LOAN-LOSSES>                                      676
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  6,129
<INCOME-PRETAX>                                  2,886
<INCOME-PRE-EXTRAORDINARY>                           0
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<YIELD-ACTUAL>                                    4.53
<LOANS-NON>                                        453
<LOANS-PAST>                                     1,609
<LOANS-TROUBLED>                                     0
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<ALLOWANCE-OPEN>                                 3,039
<CHARGE-OFFS>                                      809
<RECOVERIES>                                       147
<ALLOWANCE-CLOSE>                                3,053
<ALLOWANCE-DOMESTIC>                             3,053
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            783