<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