<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED STATEMENTS OF OPERATIONS AND CONSOLIDATED BALANCE SHEETS
FOUND ON PAGES 3 AND 4 OF THE COMPANY'S FORM 10-Q FOR THE YEAR-TO-DATE,
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-START>                             JAN-01-1998
<PERIOD-END>                               SEP-30-1998
<CASH>                                           7,206
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                11,200
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    105,940
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        250,301
<ALLOWANCE>                                      3,804
<TOTAL-ASSETS>                                 384,485
<DEPOSITS>                                     339,977
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              4,724
<LONG-TERM>                                         42
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           728
<OTHER-SE>                                      39,014
<TOTAL-LIABILITIES-AND-EQUITY>                 384,485
<INTEREST-LOAN>                                 15,686
<INTEREST-INVEST>                                4,150
<INTEREST-OTHER>                                   468
<INTEREST-TOTAL>                                20,304
<INTEREST-DEPOSIT>                              10,423
<INTEREST-EXPENSE>                              10,433
<INTEREST-INCOME-NET>                            9,871
<LOAN-LOSSES>                                      315
<SECURITIES-GAINS>                                 235
<EXPENSE-OTHER>                                  6,733
<INCOME-PRETAX>                                  4,171
<INCOME-PRE-EXTRAORDINARY>                       4,171
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,300
<EPS-PRIMARY>                                     1.50
<EPS-DILUTED>                                     1.50
<YIELD-ACTUAL>                                    7.99
<LOANS-NON>                                      1,895
<LOANS-PAST>                                     1,412
<LOANS-TROUBLED>                                   178
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 3,798
<CHARGE-OFFS>                                      456
<RECOVERIES>                                       147
<ALLOWANCE-CLOSE>                                3,804
<ALLOWANCE-DOMESTIC>                             3,804
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>