<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-START> JAN-01-1998 <PERIOD-END> SEP-30-1998 <CASH> 21,774 <INT-BEARING-DEPOSITS> 500 <FED-FUNDS-SOLD> 30,800 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 121,224 <INVESTMENTS-CARRYING> 15,715 <INVESTMENTS-MARKET> 15,798 <LOANS> 260,114 <ALLOWANCE> 4,545 <TOTAL-ASSETS> 481,507 <DEPOSITS> 413,875 <SHORT-TERM> 18,103 <LIABILITIES-OTHER> 2,794 <LONG-TERM> 3,274 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 34,033 <OTHER-SE> 9,428 <TOTAL-LIABILITIES-AND-EQUITY> 481,507 <INTEREST-LOAN> 18,488 <INTEREST-INVEST> 6,030 <INTEREST-OTHER> 957 <INTEREST-TOTAL> 25,475 <INTEREST-DEPOSIT> 9,160 <INTEREST-EXPENSE> 10,137 <INTEREST-INCOME-NET> 15,338 <LOAN-LOSSES> 1,690 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 13,552 <INCOME-PRETAX> 3,763 <INCOME-PRE-EXTRAORDINARY> 3,763 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,687 <EPS-PRIMARY> .58 <EPS-DILUTED> .56 <YIELD-ACTUAL> 8.67 <LOANS-NON> 1,494 <LOANS-PAST> 494 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 3,833 <CHARGE-OFFS> 1,398 <RECOVERIES> 420 <ALLOWANCE-CLOSE> 4,545 <ALLOWANCE-DOMESTIC> 4,545 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0