<ARTICLE> 9
<LEGEND>
THIS SCHEDULED CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM 1998 THIRD
QUARTER 10-Q
</LEGEND>
<MULTIPLIER> 1000
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               SEP-30-1998
<CASH>                                           3,423
<INT-BEARING-DEPOSITS>                              29
<FED-FUNDS-SOLD>                                 2,400
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      7,151
<INVESTMENTS-CARRYING>                           6,825
<INVESTMENTS-MARKET>                             7,015
<LOANS>                                         74,076
<ALLOWANCE>                                      1,006
<TOTAL-ASSETS>                                  96,609
<DEPOSITS>                                      69,385
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              1,483
<LONG-TERM>                                     14,934
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         2,975
<OTHER-SE>                                       7,832
<TOTAL-LIABILITIES-AND-EQUITY>                  96,609
<INTEREST-LOAN>                                  4,265
<INTEREST-INVEST>                                  782
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 5,047
<INTEREST-DEPOSIT>                               1,870
<INTEREST-EXPENSE>                               2,296
<INTEREST-INCOME-NET>                            2,751
<LOAN-LOSSES>                                     (22)
<SECURITIES-GAINS>                                (18)
<EXPENSE-OTHER>                                  1,839
<INCOME-PRETAX>                                  1,358
<INCOME-PRE-EXTRAORDINARY>                       1,358
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       962
<EPS-PRIMARY>                                     1.62
<EPS-DILUTED>                                     1.61
<YIELD-ACTUAL>                                    4.53
<LOANS-NON>                                         45
<LOANS-PAST>                                       343
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,035
<CHARGE-OFFS>                                       29
<RECOVERIES>                                        22
<ALLOWANCE-CLOSE>                                1,006
<ALLOWANCE-DOMESTIC>                                67
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            939