<ARTICLE> 9 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-START> JAN-01-1998 <PERIOD-END> SEP-30-1998 <CASH> 6,175 <INT-BEARING-DEPOSITS> 4,447 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 35,582 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 157,613 <ALLOWANCE> 1,990 <TOTAL-ASSETS> 212,122 <DEPOSITS> 187,660 <SHORT-TERM> 0 <LIABILITIES-OTHER> 2,543 <LONG-TERM> 3,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 1,342 <OTHER-SE> 17,577 <TOTAL-LIABILITIES-AND-EQUITY> 212,122 <INTEREST-LOAN> 11,241 <INTEREST-INVEST> 1,636 <INTEREST-OTHER> 101 <INTEREST-TOTAL> 12,978 <INTEREST-DEPOSIT> 5,985 <INTEREST-EXPENSE> 6,127 <INTEREST-INCOME-NET> 6,851 <LOAN-LOSSES> 776 <SECURITIES-GAINS> 10 <EXPENSE-OTHER> 4,335 <INCOME-PRETAX> 2,810 <INCOME-PRE-EXTRAORDINARY> 2,810 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,882 <EPS-PRIMARY> 1.42 <EPS-DILUTED> 1.41 <YIELD-ACTUAL> 2.59 <LOANS-NON> 634 <LOANS-PAST> 681 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,725 <CHARGE-OFFS> 559 <RECOVERIES> 48 <ALLOWANCE-CLOSE> 1,990 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1,990