WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.

  

<ARTICLE>                                            9
<LEGEND>
     Footnote (a) represents diluted. Footnote (b) represents basic.
</LEGEND>
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               SEP-30-1998
<CASH>                                           7,401
<INT-BEARING-DEPOSITS>                          25,597
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    158,423
<INVESTMENTS-CARRYING>                             108
<INVESTMENTS-MARKET>                               107
<LOANS>                                        249,060
<ALLOWANCE>                                     (2,770)
<TOTAL-ASSETS>                                 460,183
<DEPOSITS>                                     371,166
<SHORT-TERM>                                     5,453
<LIABILITIES-OTHER>                              3,344
<LONG-TERM>                                     35,582
<PREFERRED-MANDATORY>                                0 
<PREFERRED>                                          0
<COMMON>                                            36
<OTHER-SE>                                      44,605
<TOTAL-LIABILITIES-AND-EQUITY>                 460,183
<INTEREST-LOAN>                                 15,487
<INTEREST-INVEST>                                7,132
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                22,619
<INTEREST-DEPOSIT>                              12,391
<INTEREST-EXPENSE>                              13,587
<INTEREST-INCOME-NET>                            9,032
<LOAN-LOSSES>                                      682
<SECURITIES-GAINS>                                  14
<EXPENSE-OTHER>                                  8,145
<INCOME-PRETAX>                                  1,595
<INCOME-PRE-EXTRAORDINARY>                       1,595
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       833
<EPS-PRIMARY>                                      .21(a)
<EPS-DILUTED>                                      .23(b)
<YIELD-ACTUAL>                                    7.46
<LOANS-NON>                                      1,718
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                 1,193
<LOANS-PROBLEM>                                    898
<ALLOWANCE-OPEN>                                 1,669
<CHARGE-OFFS>                                       (0)
<RECOVERIES>                                         2
<ALLOWANCE-CLOSE>                                2,770
<ALLOWANCE-DOMESTIC>                             2,770
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0