<ARTICLE> 9 <LEGEND> THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE CONSOLIDATED BALANCE SHEET AND CONSOLIDATED STATEMENT OF INCOME FOUND ON PAGES 2 AND 3 OF THE COMPANY'S FORM 10-Q FOR SEPTEMBER 30, 1998, AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS. </LEGEND> <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-START> JAN-01-1998 <PERIOD-END> SEP-30-1998 <CASH> 25,391 <INT-BEARING-DEPOSITS> 10,000 <FED-FUNDS-SOLD> 16,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 19,291 <INVESTMENTS-CARRYING> 14,860 <INVESTMENTS-MARKET> 14,962 <LOANS> 227,702 <ALLOWANCE> 4,036 <TOTAL-ASSETS> 324,992 <DEPOSITS> 292,384 <SHORT-TERM> 1,121 <LIABILITIES-OTHER> 2,444 <LONG-TERM> 405 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 16,058 <OTHER-SE> 12,580 <TOTAL-LIABILITIES-AND-EQUITY> 324,992 <INTEREST-LOAN> 17,016 <INTEREST-INVEST> 1,306 <INTEREST-OTHER> 577 <INTEREST-TOTAL> 18,899 <INTEREST-DEPOSIT> 4,528 <INTEREST-EXPENSE> 4,606 <INTEREST-INCOME-NET> 14,293 <LOAN-LOSSES> 1,634 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 12,324 <INCOME-PRETAX> 5,805 <INCOME-PRE-EXTRAORDINARY> 3,358 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3,358 <EPS-PRIMARY> 0.72 <EPS-DILUTED> 0.70 <YIELD-ACTUAL> 7.27 <LOANS-NON> 1,085 <LOANS-PAST> 0 <LOANS-TROUBLED> 5,089 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 3,268 <CHARGE-OFFS> 1,194 <RECOVERIES> 328 <ALLOWANCE-CLOSE> 4,036 <ALLOWANCE-DOMESTIC> 4,036 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0