<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE MORE
DETAILED FINANCIAL STATEMENTS OF THE COMPANY AND SUBSIDIARY AND NOTES THERETO
INCLUDED ELSEWHERE IN THIS REPORT AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
TO SUCH FINANCIALS.
</LEGEND>
<MULTIPLIER> 1,000

<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               SEP-30-1998
<CASH>                                          16,684
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                25,875
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     72,893
<INVESTMENTS-CARRYING>                          66,012
<INVESTMENTS-MARKET>                            67,383
<LOANS>                                        227,210
<ALLOWANCE>                                      3,160
<TOTAL-ASSETS>                                 419,487
<DEPOSITS>                                     340,193
<SHORT-TERM>                                    33,527
<LIABILITIES-OTHER>                              3,337
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         5,987
<OTHER-SE>                                      36,443
<TOTAL-LIABILITIES-AND-EQUITY>                 419,487
<INTEREST-LOAN>                                 15,636
<INTEREST-INVEST>                                5,758
<INTEREST-OTHER>                                 1,084
<INTEREST-TOTAL>                                22,478
<INTEREST-DEPOSIT>                               8,544
<INTEREST-EXPENSE>                               9,772
<INTEREST-INCOME-NET>                           12,706
<LOAN-LOSSES>                                      525
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  8,418
<INCOME-PRETAX>                                  6,703
<INCOME-PRE-EXTRAORDINARY>                       4,469
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     4,469
<EPS-BASIC>                                       7.48<F1>
<EPS-DILUTED>                                     7.48<F1>
<YIELD-ACTUAL>                                    4.51<F1>
<LOANS-NON>                                         44
<LOANS-PAST>                                       144
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                     44
<ALLOWANCE-OPEN>                                 2,879
<CHARGE-OFFS>                                      479
<RECOVERIES>                                       235
<ALLOWANCE-CLOSE>                                3,160
<ALLOWANCE-DOMESTIC>                             3,160
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
<FN>
<F1>MULTIPLIER IS NOT APPLICABLE TO EPS AND YIELD DATA.
</FN>


</TABLE>