<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> 17,952 <INT-BEARING-DEPOSITS> 972 <FED-FUNDS-SOLD> 18,100 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 3,818 <INVESTMENTS-CARRYING> 8,851 <INVESTMENTS-MARKET> 8,909 <LOANS> 218,222 <ALLOWANCE> 2,469 <TOTAL-ASSETS> 282,298 <DEPOSITS> 254,634 <SHORT-TERM> 0 <LIABILITIES-OTHER> 2,509 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 12,735 <OTHER-SE> 12,420 <TOTAL-LIABILITIES-AND-EQUITY> 282,298 <INTEREST-LOAN> 16,083 <INTEREST-INVEST> 878 <INTEREST-OTHER> 468 <INTEREST-TOTAL> 17,429 <INTEREST-DEPOSIT> 5,828 <INTEREST-EXPENSE> 5,918 <INTEREST-INCOME-NET> 11,511 <LOAN-LOSSES> 780 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 21,954 <INCOME-PRETAX> 5,161 <INCOME-PRE-EXTRAORDINARY> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,807 <EPS-PRIMARY> 1.12 <EPS-DILUTED> 1.05 <YIELD-ACTUAL> 6.54 <LOANS-NON> 1,697 <LOANS-PAST> 144 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,923 <CHARGE-OFFS> 372 <RECOVERIES> 138 <ALLOWANCE-CLOSE> 2,469 <ALLOWANCE-DOMESTIC> 1,976 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 493