<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
REGISTRANT'S UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS FOR THE NINE
MONTHS ENDED SEPTEMBER 30, 1998 AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH 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>                                           1,512
<INT-BEARING-DEPOSITS>                           5,517
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      5,590
<INVESTMENTS-CARRYING>                           1,033
<INVESTMENTS-MARKET>                             1,066
<LOANS>                                         88,206
<ALLOWANCE>                                        983
<TOTAL-ASSETS>                                 105,864
<DEPOSITS>                                      93,496
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                498
<LONG-TERM>                                      3,633
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         6,841
<OTHER-SE>                                       1,396
<TOTAL-LIABILITIES-AND-EQUITY>                 105,864
<INTEREST-LOAN>                                  5,632
<INTEREST-INVEST>                                  286
<INTEREST-OTHER>                                   328
<INTEREST-TOTAL>                                 6,247
<INTEREST-DEPOSIT>                               3,223
<INTEREST-EXPENSE>                               3,367
<INTEREST-INCOME-NET>                            2,880
<LOAN-LOSSES>                                      204
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  2,126
<INCOME-PRETAX>                                    832
<INCOME-PRE-EXTRAORDINARY>                         832
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       568
<EPS-PRIMARY>                                      .57
<EPS-DILUTED>                                      .57
<YIELD-ACTUAL>                                    4.03
<LOANS-NON>                                        145
<LOANS-PAST>                                     1,066
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   848
<CHARGE-OFFS>                                       84
<RECOVERIES>                                        15
<ALLOWANCE-CLOSE>                                  983
<ALLOWANCE-DOMESTIC>                               983
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>