<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
     THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL  INFORMATION  DERIVED FROM THE
QUARTERLY REPORT ON FORM 10-QSB AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH FINANCIAL INFORMATION.
</LEGEND>

<MULTIPLIER>                                   1000

       
<S>                                           <C>
<PERIOD-TYPE>                                  9-MOS
<FISCAL-YEAR-END>                              DEC-31-1998
<PERIOD-END>                                   SEP-30-1998
<CASH>                                           7,813
<INT-BEARING-DEPOSITS>                           2,499
<FED-FUNDS-SOLD>                                 3,500
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     30,278
<INVESTMENTS-CARRYING>                           3,428
<INVESTMENTS-MARKET>                             3,486
<LOANS>                                        132,091
<ALLOWANCE>                                      1,291
<TOTAL-ASSETS>                                 186,652
<DEPOSITS>                                     162,340
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              1,183
<LONG-TERM>                                      2,031
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         1,745
<OTHER-SE>                                      19,165
<TOTAL-LIABILITIES-AND-EQUITY>                 139,610
<INTEREST-LOAN>                                  6,189
<INTEREST-INVEST>                                1,629
<INTEREST-OTHER>                                   117
<INTEREST-TOTAL>                                 7,935
<INTEREST-DEPOSIT>                               3,075
<INTEREST-EXPENSE>                               3,166
<INTEREST-INCOME-NET>                            4,769
<LOAN-LOSSES>                                      155
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  3,697
<INCOME-PRETAX>                                  1,457
<INCOME-PRE-EXTRAORDINARY>                       1,457
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,005
<EPS-PRIMARY>                                     0.90
<EPS-DILUTED>                                     0.90
<YIELD-ACTUAL>                                    4.76
<LOANS-NON>                                        941
<LOANS-PAST>                                       204
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   874
<CHARGE-OFFS>                                      101
<RECOVERIES>                                        14
<ALLOWANCE-CLOSE>                                1,291
<ALLOWANCE-DOMESTIC>                               539
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            752
        

</TABLE>