<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>                                           1,246
<INT-BEARING-DEPOSITS>                             478
<FED-FUNDS-SOLD>                                17,200
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    106,257
<INVESTMENTS-CARRYING>                         120,187
<INVESTMENTS-MARKET>                           120,401
<LOANS>                                        106,618
<ALLOWANCE>                                        786
<TOTAL-ASSETS>                                 250,516
<DEPOSITS>                                     198,386
<SHORT-TERM>                                       325
<LIABILITIES-OTHER>                              1,456
<LONG-TERM>                                     32,570
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                      17,779
<TOTAL-LIABILITIES-AND-EQUITY>                 250,516
<INTEREST-LOAN>                                  6,254
<INTEREST-INVEST>                                5,126
<INTEREST-OTHER>                                   799
<INTEREST-TOTAL>                                12,179
<INTEREST-DEPOSIT>                               7,237
<INTEREST-EXPENSE>                               8,119
<INTEREST-INCOME-NET>                            4,061
<LOAN-LOSSES>                                      168
<SECURITIES-GAINS>                                  24
<EXPENSE-OTHER>                                  3,078
<INCOME-PRETAX>                                    972
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       668
<EPS-PRIMARY>                                        0
<EPS-DILUTED>                                        0
<YIELD-ACTUAL>                                    2.27
<LOANS-NON>                                         69
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   618
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  786
<ALLOWANCE-DOMESTIC>                               786
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        


</TABLE>