<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
Financial Data Schedule - This exhibit is included only in the electronic EDGAR
filing version of this Form 10-Q. The financial data schedule is not a separate
financial statement, but a schedule that summarizes certain standard financial
information extracted directly from the financial statements in this filing.
</LEGEND>
<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>                                           9,979
<INT-BEARING-DEPOSITS>                          14,835
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     47,853
<INVESTMENTS-CARRYING>                           8,564
<INVESTMENTS-MARKET>                             8,721
<LOANS>                                        134,570
<ALLOWANCE>                                      1,343
<TOTAL-ASSETS>                                 221,128
<DEPOSITS>                                     179,056
<SHORT-TERM>                                       551
<LIABILITIES-OTHER>                             14,153
<LONG-TERM>                                      4,288
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        14,513
<OTHER-SE>                                       8,295
<TOTAL-LIABILITIES-AND-EQUITY>                 221,128
<INTEREST-LOAN>                                 10,004
<INTEREST-INVEST>                                2,123
<INTEREST-OTHER>                                   628
<INTEREST-TOTAL>                                12,755
<INTEREST-DEPOSIT>                               3,838
<INTEREST-EXPENSE>                               4,377
<INTEREST-INCOME-NET>                            8,378
<LOAN-LOSSES>                                      170
<SECURITIES-GAINS>                                  20
<EXPENSE-OTHER>                                  5,400
<INCOME-PRETAX>                                  4,464
<INCOME-PRE-EXTRAORDINARY>                       4,464
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,907
<EPS-PRIMARY>                                     0.75
<EPS-DILUTED>                                     0.75
<YIELD-ACTUAL>                                       0<F1>
<LOANS-NON>                                         19
<LOANS-PAST>                                         4
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,201
<CHARGE-OFFS>                                       28
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                1,343
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,343
<FN>
<F1>Information not calculated for Interim reports.
</FN>
        

</TABLE>