<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS 9-MOS <FISCAL-YEAR-END> DEC-31-1998 DEC-31-1997 <PERIOD-START> JAN-01-1998 JAN-01-1997 <PERIOD-END> SEP-30-1998 SEP-30-1997 <CASH> 17,597 16,883 <INT-BEARING-DEPOSITS> 0 0 <FED-FUNDS-SOLD> 12,693 219 <TRADING-ASSETS> 0 0 <INVESTMENTS-HELD-FOR-SALE> 27,670 36,435 <INVESTMENTS-CARRYING> 4,626 7,726 <INVESTMENTS-MARKET> 4,620 7,711 <LOANS> 438,638 452,564 <ALLOWANCE> 9,397 9,026 <TOTAL-ASSETS> 517,259 528,805 <DEPOSITS> 446,711 455,294 <SHORT-TERM> 2,600 1,599 <LIABILITIES-OTHER> 5,324 8,235 <LONG-TERM> 7,224 12,994 <PREFERRED-MANDATORY> 0 0 <PREFERRED> 0 0 <COMMON> 13,562 13,544 <OTHER-SE> 41,838 37,139 <TOTAL-LIABILITIES-AND-EQUITY> 55,400 528,805 <INTEREST-LOAN> 35,504 33,356 <INTEREST-INVEST> 1,705 2,256 <INTEREST-OTHER> 747 94 <INTEREST-TOTAL> 37,956 35,706 <INTEREST-DEPOSIT> 13,640 13,155 <INTEREST-EXPENSE> 14,020 13,948 <INTEREST-INCOME-NET> 23,936 21,758 <LOAN-LOSSES> 1,470 2,407 <SECURITIES-GAINS> 0 2 <EXPENSE-OTHER> 13,937 11,796 <INCOME-PRETAX> 11,711 10,475 <INCOME-PRE-EXTRAORDINARY> 11,711 10,475 <EXTRAORDINARY> 0 0 <CHANGES> 0 0 <NET-INCOME> 7,212 6,480 <EPS-PRIMARY> 5.32 4.78 <EPS-DILUTED> 5.29 4.77 <YIELD-ACTUAL> 6.73 5.94 <LOANS-NON> 2,744 826 <LOANS-PAST> 2,980 2,034 <LOANS-TROUBLED> 0 0 <LOANS-PROBLEM> 11,338 10,344 <ALLOWANCE-OPEN> 9,154 7,331 <CHARGE-OFFS> 2,488 1,120 <RECOVERIES> 1,261 408 <ALLOWANCE-CLOSE> 9,397 9,026 <ALLOWANCE-DOMESTIC> 9,397 9,026 <ALLOWANCE-FOREIGN> 0 0 <ALLOWANCE-UNALLOCATED> 0 0