<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEETS AND CONSOLIDATED STATEMENTS OF OPERATIONS AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               SEP-30-1998
<CASH>                                          10,661
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 3,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     34,436
<INVESTMENTS-CARRYING>                          39,133
<INVESTMENTS-MARKET>                            39,482
<LOANS>                                        232,960
<ALLOWANCE>                                      3,460
<TOTAL-ASSETS>                                 336,525
<DEPOSITS>                                     291,952
<SHORT-TERM>                                     8,690
<LIABILITIES-OTHER>                              2,672
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        23,796
<OTHER-SE>                                       9,415
<TOTAL-LIABILITIES-AND-EQUITY>                 336,525
<INTEREST-LOAN>                                 15,513
<INTEREST-INVEST>                                3,007
<INTEREST-OTHER>                                   314
<INTEREST-TOTAL>                                18,834
<INTEREST-DEPOSIT>                               8,253
<INTEREST-EXPENSE>                               8,570
<INTEREST-INCOME-NET>                           10,264
<LOAN-LOSSES>                                      180
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  7,850
<INCOME-PRETAX>                                  3,534
<INCOME-PRE-EXTRAORDINARY>                       2,319
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,319
<EPS-PRIMARY>                                     1.22
<EPS-DILUTED>                                     1.22
<YIELD-ACTUAL>                                    4.42
<LOANS-NON>                                        403
<LOANS-PAST>                                     1,109
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    744
<ALLOWANCE-OPEN>                                 3,518
<CHARGE-OFFS>                                      337
<RECOVERIES>                                        99
<ALLOWANCE-CLOSE>                                3,460
<ALLOWANCE-DOMESTIC>                             3,460
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0