<TABLE> <S> <C>

<ARTICLE> 9
<MULTIPLIER> 1,000
       
<S>                             <C>                       
<PERIOD-TYPE>                   9-MOS                     
<FISCAL-YEAR-END>                          DEC-31-1998    
<PERIOD-START>                             JAN-01-1998    
<PERIOD-END>                               SEP-30-1998    
<CASH>                                           2,930    
<INT-BEARING-DEPOSITS>                           1,300    
<FED-FUNDS-SOLD>                                 1,420    
<TRADING-ASSETS>                                     0    
<INVESTMENTS-HELD-FOR-SALE>                     17,559    
<INVESTMENTS-CARRYING>                           2,194    
<INVESTMENTS-MARKET>                            19,753    
<LOANS>                                         28,763    
<ALLOWANCE>                                        356    
<TOTAL-ASSETS>                                  53,628    
<DEPOSITS>                                      45,345    
<SHORT-TERM>                                         0    
<LIABILITIES-OTHER>                                285    
<LONG-TERM>                                          0    
<PREFERRED-MANDATORY>                                0    
<PREFERRED>                                          0    
<COMMON>                                         7,960    
<OTHER-SE>                                           0    
<TOTAL-LIABILITIES-AND-EQUITY>                  53,628    
<INTEREST-LOAN>                                  1,855    
<INTEREST-INVEST>                                  887    
<INTEREST-OTHER>                                    29    
<INTEREST-TOTAL>                                 2,771    
<INTEREST-DEPOSIT>                               1,366    
<INTEREST-EXPENSE>                                   0    
<INTEREST-INCOME-NET>                            1,405    
<LOAN-LOSSES>                                      125    
<SECURITIES-GAINS>                                   0    
<EXPENSE-OTHER>                                  1,024    
<INCOME-PRETAX>                                    340    
<INCOME-PRE-EXTRAORDINARY>                         340    
<EXTRAORDINARY>                                      0    
<CHANGES>                                            0    
<NET-INCOME>                                       340    
<EPS-PRIMARY>                                      .43    
<EPS-DILUTED>                                      .43    
<YIELD-ACTUAL>                                    8.28    
<LOANS-NON>                                          0    
<LOANS-PAST>                                         2    
<LOANS-TROUBLED>                                     0    
<LOANS-PROBLEM>                                      0    
<ALLOWANCE-OPEN>                                   331    
<CHARGE-OFFS>                                        4    
<RECOVERIES>                                         0    
<ALLOWANCE-CLOSE>                                  356    
<ALLOWANCE-DOMESTIC>                                 0    
<ALLOWANCE-FOREIGN>                                  0    
<ALLOWANCE-UNALLOCATED>                            356    
                                                          

</TABLE>