<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-START> JAN-01-1998 <PERIOD-END> SEP-30-1998 <CASH> 22,550 <INT-BEARING-DEPOSITS> 12,920 <FED-FUNDS-SOLD> 15,200 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 0 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 231,707 <ALLOWANCE> 1,751 <TOTAL-ASSETS> 380,343 <DEPOSITS> 253,271 <SHORT-TERM> 20,787 <LIABILITIES-OTHER> 41,741 <LONG-TERM> 3,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 66 <OTHER-SE> 61,478 <TOTAL-LIABILITIES-AND-EQUITY> 380,343 <INTEREST-LOAN> 24,914 <INTEREST-INVEST> 208 <INTEREST-OTHER> 5,926 <INTEREST-TOTAL> 31,048 <INTEREST-DEPOSIT> 10,393 <INTEREST-EXPENSE> 17,845 <INTEREST-INCOME-NET> 13,203 <LOAN-LOSSES> 2,366 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 18,859 <INCOME-PRETAX> 11,644 <INCOME-PRE-EXTRAORDINARY> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 6,675 <EPS-PRIMARY> 1.02 <EPS-DILUTED> 0.98 <YIELD-ACTUAL> 9.57 <LOANS-NON> 6,645 <LOANS-PAST> 6,645 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,573 <CHARGE-OFFS> 3,256 <RECOVERIES> 68 <ALLOWANCE-CLOSE> 1,751 <ALLOWANCE-DOMESTIC> 1,751 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1,599