<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