<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
This  schedule  contains  summary  financial   information  extracted  from  the
Consolidated   Balance  Sheet  at  September  30,  1998,   (unaudited)  and  the
Consolidated  Statement of Income for the nine months ended  September  30, 1998
(unaudited)  and is qualified  in its  entirety by  reference to such  financial
statements.

</LEGEND>                                    
<MULTIPLIER>                                                             1000
       
<S>                                                                       <C>
<PERIOD-TYPE>                                       9-MOS
<FISCAL-YEAR-END>                                   DEC-31-1998
<PERIOD-END>                                        SEP-30-1998
<CASH>                                                                  7,230
<INT-BEARING-DEPOSITS>                                                  2,156
<FED-FUNDS-SOLD>                                                        7,230
<TRADING-ASSETS>                                                          804
<INVESTMENTS-HELD-FOR-SALE>                                            14,427
<INVESTMENTS-CARRYING>                                                 13,545
<INVESTMENTS-MARKET>                                                   13,602
<LOANS>                                                               109,610
<ALLOWANCE>                                                             1,364
<TOTAL-ASSETS>                                                        169,770
<DEPOSITS>                                                            137,279
<SHORT-TERM>                                                            2,820
<LIABILITIES-OTHER>                                                       919
<LONG-TERM>                                                             9,490
<PREFERRED-MANDATORY>                                                       0
<PREFERRED>                                                                 0
<COMMON>                                                               14,626
<OTHER-SE>                                                              4,636
<TOTAL-LIABILITIES-AND-EQUITY>                                        169,770
<INTEREST-LOAN>                                                         7,027
<INTEREST-INVEST>                                                       1,456
<INTEREST-OTHER>                                                          426
<INTEREST-TOTAL>                                                        8,909
<INTEREST-DEPOSIT>                                                      3,680
<INTEREST-EXPENSE>                                                      4,014
<INTEREST-INCOME-NET>                                                   4,895
<LOAN-LOSSES>                                                             324
<SECURITIES-GAINS>                                                          0
<EXPENSE-OTHER>                                                         3,573
<INCOME-PRETAX>                                                         1,783
<INCOME-PRE-EXTRAORDINARY>                                              1,783
<EXTRAORDINARY>                                                             0
<CHANGES>                                                                   0
<NET-INCOME>                                                            1,182
<EPS-PRIMARY>                                                            0.42
<EPS-DILUTED>                                                            0.41
<YIELD-ACTUAL>                                                           4.65
<LOANS-NON>                                                                40
<LOANS-PAST>                                                               76
<LOANS-TROUBLED>                                                            0
<LOANS-PROBLEM>                                                           116
<ALLOWANCE-OPEN>                                                        1,140
<CHARGE-OFFS>                                                             111
<RECOVERIES>                                                               12
<ALLOWANCE-CLOSE>                                                       1,364
<ALLOWANCE-DOMESTIC>                                                    1,364
<ALLOWANCE-FOREIGN>                                                         0
<ALLOWANCE-UNALLOCATED>                                                     0
        

</TABLE>