<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> 6,017 <INT-BEARING-DEPOSITS> 3,679 <FED-FUNDS-SOLD> 2,915 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 92,574 <INVESTMENTS-CARRYING> 7,940 <INVESTMENTS-MARKET> 8,136 <LOANS> 270,647 <ALLOWANCE> 3,123 <TOTAL-ASSETS> 398,819 <DEPOSITS> 332,939 <SHORT-TERM> 16,991 <LIABILITIES-OTHER> 4,763 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 3,456 <OTHER-SE> 0 <TOTAL-LIABILITIES-AND-EQUITY> 398,819 <INTEREST-LOAN> 17,320 <INTEREST-INVEST> 4,001 <INTEREST-OTHER> 238 <INTEREST-TOTAL> 21,559 <INTEREST-DEPOSIT> 9,335 <INTEREST-EXPENSE> 653 <INTEREST-INCOME-NET> 11,571 <LOAN-LOSSES> 525 <SECURITIES-GAINS> 217 <EXPENSE-OTHER> 8,464 <INCOME-PRETAX> 4,760 <INCOME-PRE-EXTRAORDINARY> 4,760 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3,506 <EPS-PRIMARY> 1.02 <EPS-DILUTED> 1.02 <YIELD-ACTUAL> 8.05 <LOANS-NON> 396 <LOANS-PAST> 1,131 <LOANS-TROUBLED> 553 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,849 <CHARGE-OFFS> 345 <RECOVERIES> 94 <ALLOWANCE-CLOSE> 3,123 <ALLOWANCE-DOMESTIC> 3,123 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0