<TABLE> <S> <C>

<ARTICLE>                                            9
<MULTIPLIER>                     1,000
       
<S>                                                         <C>
<PERIOD-TYPE>                                                 9-MOS
<FISCAL-YEAR-END>                                           DEC-31-1998
<PERIOD-END>                                                SEP-30-1998
<CASH>                                                           15,925
<INT-BEARING-DEPOSITS>                                                0
<FED-FUNDS-SOLD>                                                  3,200
<TRADING-ASSETS>                                                      0
<INVESTMENTS-HELD-FOR-SALE>                                      78,402
<INVESTMENTS-CARRYING>                                           44,174
<INVESTMENTS-MARKET>                                                  0
<LOANS>                                                         269,883
<ALLOWANCE>                                                       3,138
<TOTAL-ASSETS>                                                  419,241
<DEPOSITS>                                                      362,717
<SHORT-TERM>                                                     10,056
<LIABILITIES-OTHER>                                               1,567
<LONG-TERM>                                                           0
<PREFERRED-MANDATORY>                                                 0
<PREFERRED>                                                           0
<COMMON>                                                         20,000
<OTHER-SE>                                                       24,901
<TOTAL-LIABILITIES-AND-EQUITY>                                  419,241
<INTEREST-LOAN>                                                  18,037
<INTEREST-INVEST>                                                 4,943
<INTEREST-OTHER>                                                    264
<INTEREST-TOTAL>                                                 23,244
<INTEREST-DEPOSIT>                                               10,340
<INTEREST-EXPENSE>                                               10,626
<INTEREST-INCOME-NET>                                            12,618
<LOAN-LOSSES>                                                     1,012
<SECURITIES-GAINS>                                                    0
<EXPENSE-OTHER>                                                   7,512
<INCOME-PRETAX>                                                   6,962
<INCOME-PRE-EXTRAORDINARY>                                        6,962
<EXTRAORDINARY>                                                       0
<CHANGES>                                                             0
<NET-INCOME>                                                      4,774
<EPS-PRIMARY>                                                      1.19
<EPS-DILUTED>                                                      1.19
<YIELD-ACTUAL>                                                     8.07
<LOANS-NON>                                                       1,321
<LOANS-PAST>                                                        315
<LOANS-TROUBLED>                                                      0
<LOANS-PROBLEM>                                                       0
<ALLOWANCE-OPEN>                                                  3,753
<CHARGE-OFFS>                                                     1,670
<RECOVERIES>                                                         44
<ALLOWANCE-CLOSE>                                                 3,138
<ALLOWANCE-DOMESTIC>                                              2,523
<ALLOWANCE-FOREIGN>                                                   0
<ALLOWANCE-UNALLOCATED>                                             615
        

</TABLE>