<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information from the Consolidated
Balance Sheet as of 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> 1,000
       
<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               SEP-30-1998
<CASH>                                            4780
<INT-BEARING-DEPOSITS>                            2247
<FED-FUNDS-SOLD>                                  5070
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      28255
<INVESTMENTS-CARRYING>                             792
<INVESTMENTS-MARKET>                               792
<LOANS>                                         121309
<ALLOWANCE>                                       1779
<TOTAL-ASSETS>                                  167702
<DEPOSITS>                                      142615
<SHORT-TERM>                                      1836
<LIABILITIES-OTHER>                               2179
<LONG-TERM>                                       6000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                          2888
<OTHER-SE>                                       12187
<TOTAL-LIABILITIES-AND-EQUITY>                  167702
<INTEREST-LOAN>                                   9134
<INTEREST-INVEST>                                 1195
<INTEREST-OTHER>                                   499
<INTEREST-TOTAL>                                 10828
<INTEREST-DEPOSIT>                                4906
<INTEREST-EXPENSE>                                 259
<INTEREST-INCOME-NET>                             5663
<LOAN-LOSSES>                                      141
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                   4469
<INCOME-PRETAX>                                   2159
<INCOME-PRE-EXTRAORDINARY>                        2159
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                      1370
<EPS-PRIMARY>                                      .47
<EPS-DILUTED>                                      .40
<YIELD-ACTUAL>                                    4.93
<LOANS-NON>                                          0
<LOANS-PAST>                                       365
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                  1728
<CHARGE-OFFS>                                      255
<RECOVERIES>                                       165
<ALLOWANCE-CLOSE>                                 1779
<ALLOWANCE-DOMESTIC>                              1779
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>