<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET AND THE CONSOLIDATED STATEMENT OF INCOME FILED AS
PART OF THE QUARTERLY REPORT ON FORM 10-Q 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>                                           2,602
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                   919
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      8,801
<INVESTMENTS-CARRYING>                           3,099
<INVESTMENTS-MARKET>                             3,241
<LOANS>                                         38,837
<ALLOWANCE>                                        346
<TOTAL-ASSETS>                                  55,905
<DEPOSITS>                                      51,553
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                474
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         1,212
<OTHER-SE>                                       2,666
<TOTAL-LIABILITIES-AND-EQUITY>                  55,905
<INTEREST-LOAN>                                  2,580
<INTEREST-INVEST>                                  442
<INTEREST-OTHER>                                    36
<INTEREST-TOTAL>                                 3,059
<INTEREST-DEPOSIT>                               1,377
<INTEREST-EXPENSE>                               1,380
<INTEREST-INCOME-NET>                            1,679
<LOAN-LOSSES>                                      157
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,293
<INCOME-PRETAX>                                    447
<INCOME-PRE-EXTRAORDINARY>                         314
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       314
<EPS-PRIMARY>                                     2.59
<EPS-DILUTED>                                     2.59
<YIELD-ACTUAL>                                    4.62
<LOANS-NON>                                        913
<LOANS-PAST>                                        51
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    135
<ALLOWANCE-OPEN>                                   311
<CHARGE-OFFS>                                      148
<RECOVERIES>                                        27
<ALLOWANCE-CLOSE>                                  346
<ALLOWANCE-DOMESTIC>                               346
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                             21