<TABLE> <S> <C>

<ARTICLE>                             9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM OUR
SEPTEMBER 30, 1998 10-QSB AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
(In thousands)
</LEGEND>
       
<S>                             <C>
<PERIOD-TYPE>                           3-MOS           
<FISCAL-YEAR-END>                            DEC-31-1998
<PERIOD-END>                                 SEP-30-1998
<CASH>                                             2,093
<INT-BEARING-DEPOSITS>                             4,572
<FED-FUNDS-SOLD>                                       0
<TRADING-ASSETS>                                       0
<INVESTMENTS-HELD-FOR-SALE>                       25,339
<INVESTMENTS-CARRYING>                            18,411
<INVESTMENTS-MARKET>                              18,781
<LOANS>                                           86,665
<ALLOWANCE>                                          886
<TOTAL-ASSETS>                                   141,511
<DEPOSITS>                                       123,696
<SHORT-TERM>                                       1,656
<LIABILITIES-OTHER>                                  861
<LONG-TERM>                                        1,000
<PREFERRED-MANDATORY>                                  0
<PREFERRED>                                            0
<COMMON>                                           4,144
<OTHER-SE>                                        10,154
<TOTAL-LIABILITIES-AND-EQUITY>                   141,511
<INTEREST-LOAN>                                    1,914
<INTEREST-INVEST>                                    612
<INTEREST-OTHER>                                      63
<INTEREST-TOTAL>                                   2,589
<INTEREST-DEPOSIT>                                 1,122
<INTEREST-EXPENSE>                                 1,155
<INTEREST-INCOME-NET>                              1,434
<LOAN-LOSSES>                                         75
<SECURITIES-GAINS>                                     0
<EXPENSE-OTHER>                                      920
<INCOME-PRETAX>                                      640
<INCOME-PRE-EXTRAORDINARY>                           640
<EXTRAORDINARY>                                        0
<CHANGES>                                            280
<NET-INCOME>                                         743
<EPS-PRIMARY>                                       0.56
<EPS-DILUTED>                                       0.56
<YIELD-ACTUAL>                                      4.63
<LOANS-NON>                                          202
<LOANS-PAST>                                         244
<LOANS-TROUBLED>                                     110
<LOANS-PROBLEM>                                        0
<ALLOWANCE-OPEN>                                     767
<CHARGE-OFFS>                                         86
<RECOVERIES>                                           5
<ALLOWANCE-CLOSE>                                    886
<ALLOWANCE-DOMESTIC>                                 886
<ALLOWANCE-FOREIGN>                                    0
<ALLOWANCE-UNALLOCATED>                                0
                                                        


</TABLE>