<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
consolidated balance sheets and consolidated statements of operations 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>                                          11,487
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                24,526
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     82,857
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        138,901
<ALLOWANCE>                                      1,428
<TOTAL-ASSETS>                                 280,386
<DEPOSITS>                                     224,452
<SHORT-TERM>                                     9,088
<LIABILITIES-OTHER>                              3,239
<LONG-TERM>                                     13,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        22,255
<OTHER-SE>                                       7,403
<TOTAL-LIABILITIES-AND-EQUITY>                 280,386
<INTEREST-LOAN>                                 10,007
<INTEREST-INVEST>                                3,707
<INTEREST-OTHER>                                 1,265
<INTEREST-TOTAL>                                14,979
<INTEREST-DEPOSIT>                               5,228
<INTEREST-EXPENSE>                               6,145
<INTEREST-INCOME-NET>                            8,834
<LOAN-LOSSES>                                      192
<SECURITIES-GAINS>                                   9
<EXPENSE-OTHER>                                  9,194
<INCOME-PRETAX>                                  3,048
<INCOME-PRE-EXTRAORDINARY>                       1,985
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,985
<EPS-PRIMARY>                                      .49
<EPS-DILUTED>                                      .49
<YIELD-ACTUAL>                                    4.38
<LOANS-NON>                                        556
<LOANS-PAST>                                        49
<LOANS-TROUBLED>                                     0<F1>
<LOANS-PROBLEM>                                      0<F1>
<ALLOWANCE-OPEN>                                 1,429
<CHARGE-OFFS>                                      218
<RECOVERIES>                                        25
<ALLOWANCE-CLOSE>                                1,428
<ALLOWANCE-DOMESTIC>                                 0<F1>
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0<F1>
<FN>
<F1>These items not required by regulation SB.
</FN>
        

</TABLE>