<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM (A) SEPT.
30, 1998 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH (B)
FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
<CURRENCY> U.S. DOLLARS
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JUL-01-1998
<PERIOD-END>                               SEP-30-1998
<EXCHANGE-RATE>                                      1
<CASH>                                           4,804
<INT-BEARING-DEPOSITS>                           6,016
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    100,285
<INVESTMENTS-CARRYING>                           6,544
<INVESTMENTS-MARKET>                             6,784
<LOANS>                                        258,594
<ALLOWANCE>                                      4,023
<TOTAL-ASSETS>                                 383,814
<DEPOSITS>                                     333,431
<SHORT-TERM>                                     4,131
<LIABILITIES-OTHER>                              2,888
<LONG-TERM>                                      2,671
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           809
<OTHER-SE>                                      39,884
<TOTAL-LIABILITIES-AND-EQUITY>                 383,814
<INTEREST-LOAN>                                  5,642
<INTEREST-INVEST>                                1,702
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 7,344
<INTEREST-DEPOSIT>                               3,023
<INTEREST-EXPENSE>                               3,093
<INTEREST-INCOME-NET>                            4,251
<LOAN-LOSSES>                                     (22)
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  2,483
<INCOME-PRETAX>                                  2,120
<INCOME-PRE-EXTRAORDINARY>                       2,120
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,395
<EPS-PRIMARY>                                     0.18
<EPS-DILUTED>                                     0.17
<YIELD-ACTUAL>                                    4.70
<LOANS-NON>                                        498
<LOANS-PAST>                                       597
<LOANS-TROUBLED>                                   712
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 4,066
<CHARGE-OFFS>                                       63
<RECOVERIES>                                       110
<ALLOWANCE-CLOSE>                                4,023
<ALLOWANCE-DOMESTIC>                             4,023
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0