<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM SEPTEMBER
30, 1998 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>                                           9,608
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 4,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    115,339
<INVESTMENTS-CARRYING>                          63,868
<INVESTMENTS-MARKET>                            65,030
<LOANS>                                        197,429
<ALLOWANCE>                                      3,029
<TOTAL-ASSETS>                                 397,469
<DEPOSITS>                                     319,773
<SHORT-TERM>                                     5,351
<LIABILITIES-OTHER>                              3,249
<LONG-TERM>                                     24,518
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        17,335
<OTHER-SE>                                      27,243
<TOTAL-LIABILITIES-AND-EQUITY>                 397,469
<INTEREST-LOAN>                                 12,931
<INTEREST-INVEST>                                8,506
<INTEREST-OTHER>                                   172
<INTEREST-TOTAL>                                21,609
<INTEREST-DEPOSIT>                               8,560
<INTEREST-EXPENSE>                               9,825
<INTEREST-INCOME-NET>                           11,784
<LOAN-LOSSES>                                      325
<SECURITIES-GAINS>                                 192
<EXPENSE-OTHER>                                  7,747
<INCOME-PRETAX>                                  5,186
<INCOME-PRE-EXTRAORDINARY>                       3,715
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,715
<EPS-PRIMARY>                                     1.08
<EPS-DILUTED>                                     1.08
<YIELD-ACTUAL>                                     4.3
<LOANS-NON>                                      2,443
<LOANS-PAST>                                         3
<LOANS-TROUBLED>                                   165
<LOANS-PROBLEM>                                    293
<ALLOWANCE-OPEN>                                 2,817
<CHARGE-OFFS>                                      180
<RECOVERIES>                                        67
<ALLOWANCE-CLOSE>                                3,029
<ALLOWANCE-DOMESTIC>                             2,679
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            350