<ARTICLE>                                                                      9
<MULTIPLIER>                                                               1,000
       
                                                                          
<PERIOD-TYPE>                                                              9-MOS
<FISCAL-YEAR-END>                                                    DEC-31-1998
<PERIOD-START>                                                       JAN-01-1998
<PERIOD-END>                                                         SEP-30-1998
<CASH>                                                                     2,069
<INT-BEARING-DEPOSITS>                                                       416
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<TRADING-ASSETS>                                                               0
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<INVESTMENTS-MARKET>                                                      32,120
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<ALLOWANCE>                                                                1,725
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<SHORT-TERM>                                                                   0
<LIABILITIES-OTHER>                                                        3,945
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<PREFERRED>                                                                    0
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<INTEREST-DEPOSIT>                                                        15,426
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<INTEREST-INCOME-NET>                                                     11,256
<LOAN-LOSSES>                                                                 77
<SECURITIES-GAINS>                                                            62
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<EXTRAORDINARY>                                                                0
<CHANGES>                                                                      0
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<EPS-PRIMARY>                                                                .64
<EPS-DILUTED>                                                                .63
<YIELD-ACTUAL>                                                              2.92
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<LOANS-PAST>                                                                   0
<LOANS-TROUBLED>                                                               0
<LOANS-PROBLEM>                                                                0
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<CHARGE-OFFS>                                                                 10
<RECOVERIES>                                                                   0
<ALLOWANCE-CLOSE>                                                          1,725
<ALLOWANCE-DOMESTIC>                                                           0
<ALLOWANCE-FOREIGN>                                                            0
<ALLOWANCE-UNALLOCATED>                                                    1,725