<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               SEP-30-1998
<CASH>                                           9,076
<INT-BEARING-DEPOSITS>                           3,868
<FED-FUNDS-SOLD>                                15,250
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     45,291
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        144,305
<ALLOWANCE>                                      2,689
<TOTAL-ASSETS>                                 223,818
<DEPOSITS>                                     198,725
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              3,984
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        15,229
<OTHER-SE>                                       5,553
<TOTAL-LIABILITIES-AND-EQUITY>                 223,818
<INTEREST-LOAN>                                 11,752
<INTEREST-INVEST>                                1,672
<INTEREST-OTHER>                                   255
<INTEREST-TOTAL>                                13,679
<INTEREST-DEPOSIT>                               3,922
<INTEREST-EXPENSE>                               4,005
<INTEREST-INCOME-NET>                            9,674
<LOAN-LOSSES>                                      375
<SECURITIES-GAINS>                                   5
<EXPENSE-OTHER>                                  7,379
<INCOME-PRETAX>                                  3,854
<INCOME-PRE-EXTRAORDINARY>                       3,854
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,226
<EPS-PRIMARY>                                     0.85
<EPS-DILUTED>                                     0.80
<YIELD-ACTUAL>                                    7.20
<LOANS-NON>                                      1,456
<LOANS-PAST>                                       102
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 2,219
<CHARGE-OFFS>                                      124
<RECOVERIES>                                       219
<ALLOWANCE-CLOSE>                                2,689
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          2,689