<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-END> SEP-30-1998 <CASH> 6,467 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 18,700 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 33,341 <INVESTMENTS-CARRYING> 26,665 <INVESTMENTS-MARKET> 27,569 <LOANS> 123,897 <ALLOWANCE> 1,845 <TOTAL-ASSETS> 212,397 <DEPOSITS> 175,099 <SHORT-TERM> 3,420 <LIABILITIES-OTHER> 527 <LONG-TERM> 9,078 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 2,700 <OTHER-SE> 21,573 <TOTAL-LIABILITIES-AND-EQUITY> 212,397 <INTEREST-LOAN> 8,978 <INTEREST-INVEST> 2,466 <INTEREST-OTHER> 423 <INTEREST-TOTAL> 11,867 <INTEREST-DEPOSIT> 5,286 <INTEREST-EXPENSE> 5,808 <INTEREST-INCOME-NET> 6,059 <LOAN-LOSSES> 135 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 3,336 <INCOME-PRETAX> 2,995 <INCOME-PRE-EXTRAORDINARY> 2,995 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,257 <EPS-PRIMARY> 3.41 <EPS-DILUTED> 3.41 <YIELD-ACTUAL> 4.04 <LOANS-NON> 63 <LOANS-PAST> 184 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,745 <CHARGE-OFFS> 76 <RECOVERIES> 41 <ALLOWANCE-CLOSE> 1,845 <ALLOWANCE-DOMESTIC> 1,779 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 66