<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> 16,287 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 37,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 98,287 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 98,287 <LOANS> 148,801 <ALLOWANCE> 3,776 <TOTAL-ASSETS> 308,498 <DEPOSITS> 265,378 <SHORT-TERM> 10,656 <LIABILITIES-OTHER> 3,233 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 20,253 <OTHER-SE> 8,988 <TOTAL-LIABILITIES-AND-EQUITY> 308,498 <INTEREST-LOAN> 12,495 <INTEREST-INVEST> 4,280 <INTEREST-OTHER> 523 <INTEREST-TOTAL> 17,724 <INTEREST-DEPOSIT> 4,018 <INTEREST-EXPENSE> 5,008 <INTEREST-INCOME-NET> 12,716 <LOAN-LOSSES> 225 <SECURITIES-GAINS> 13 <EXPENSE-OTHER> 9,037 <INCOME-PRETAX> 8,008 <INCOME-PRE-EXTRAORDINARY> 8,008 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 4,681 <EPS-PRIMARY> 1.94 <EPS-DILUTED> 1.89 <YIELD-ACTUAL> .065 <LOANS-NON> 0 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 3,609 <CHARGE-OFFS> 110 <RECOVERIES> 52 <ALLOWANCE-CLOSE> 3,776 <ALLOWANCE-DOMESTIC> 3,776 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0