<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-START> JUL-01-1998 <PERIOD-END> SEP-30-1998 <CASH> 29,191 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 2,500 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 6,093 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 137,142 <ALLOWANCE> 2,061 <TOTAL-ASSETS> 275,017 <DEPOSITS> 215,456 <SHORT-TERM> 22,855 <LIABILITIES-OTHER> 5,200 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 25,593 <OTHER-SE> 5,913 <TOTAL-LIABILITIES-AND-EQUITY> 275,017 <INTEREST-LOAN> 4,965 <INTEREST-INVEST> 147 <INTEREST-OTHER> 122 <INTEREST-TOTAL> 5,234 <INTEREST-DEPOSIT> 1,271 <INTEREST-EXPENSE> 1,384 <INTEREST-INCOME-NET> 3,850 <LOAN-LOSSES> 225 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 6,600 <INCOME-PRETAX> 3,490 <INCOME-PRE-EXTRAORDINARY> 3,490 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,048 <EPS-PRIMARY> .73 <EPS-DILUTED> .70 <YIELD-ACTUAL> 6.76 <LOANS-NON> 514 <LOANS-PAST> 430 <LOANS-TROUBLED> 1,044 <LOANS-PROBLEM> 4,078 <ALLOWANCE-OPEN> 1,793 <CHARGE-OFFS> 0 <RECOVERIES> 43 <ALLOWANCE-CLOSE> 2,026 <ALLOWANCE-DOMESTIC> 2,026 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0