<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATE BALANCE SHEET AND CONSOLIDATED STATEMENT OF INCOME AND COMPREHENSIVE
INCOME FILED AS PART OF THE QUARTERLY REPORT ON FORM 10-Q AND IS QUALIFIED IN
ITS ENTIRETY BY REFERENCE TO SUCH QUARTERLY REPORT ON FORM 10-Q.
</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>                                          17,192
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 4,500
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     29,403
<INVESTMENTS-CARRYING>                          28,877
<INVESTMENTS-MARKET>                            29,405
<LOANS>                                        161,262
<ALLOWANCE>                                      1,985
<TOTAL-ASSETS>                                 257,237
<DEPOSITS>                                     224,031
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              9,135
<LONG-TERM>                                      5,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         4,305
<OTHER-SE>                                      14,766
<TOTAL-LIABILITIES-AND-EQUITY>                 257,237
<INTEREST-LOAN>                                 12,090
<INTEREST-INVEST>                                2,474
<INTEREST-OTHER>                                   214
<INTEREST-TOTAL>                                14,778
<INTEREST-DEPOSIT>                               5,675
<INTEREST-EXPENSE>                               5,996
<INTEREST-INCOME-NET>                            8,812
<LOAN-LOSSES>                                      450
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  6,823
<INCOME-PRETAX>                                  3,676
<INCOME-PRE-EXTRAORDINARY>                       3,676
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,729
<EPS-PRIMARY>                                     1.43
<EPS-DILUTED>                                     1.43
<YIELD-ACTUAL>                                    5.24
<LOANS-NON>                                        651
<LOANS-PAST>                                       658
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  3,466
<ALLOWANCE-OPEN>                                 1,863
<CHARGE-OFFS>                                      436
<RECOVERIES>                                       108
<ALLOWANCE-CLOSE>                                1,985
<ALLOWANCE-DOMESTIC>                             1,050
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            935
        

</TABLE>