<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