<TABLE> <S> <C>


<ARTICLE>                                                                     9
<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>                                                                    5,848
<INT-BEARING-DEPOSITS>                                                        0
<FED-FUNDS-SOLD>                                                              0
<TRADING-ASSETS>                                                              0
<INVESTMENTS-HELD-FOR-SALE>                                              12,557
<INVESTMENTS-CARRYING>                                                   12,557
<INVESTMENTS-MARKET>                                                     12,557
<LOANS>                                                                  69,728
<ALLOWANCE>                                                                 253
<TOTAL-ASSETS>                                                           92,494
<DEPOSITS>                                                               67,421
<SHORT-TERM>                                                              6,500
<LIABILITIES-OTHER>                                                         922
<LONG-TERM>                                                               1,450
<PREFERRED-MANDATORY>                                                         0
<PREFERRED>                                                                   0
<COMMON>                                                                  7,575
<OTHER-SE>                                                                8,626
<TOTAL-LIABILITIES-AND-EQUITY>                                           92,494
<INTEREST-LOAN>                                                           4,102
<INTEREST-INVEST>                                                           602
<INTEREST-OTHER>                                                            187
<INTEREST-TOTAL>                                                          4,891
<INTEREST-DEPOSIT>                                                        2,293
<INTEREST-EXPENSE>                                                        2,577
<INTEREST-INCOME-NET>                                                     2,314
<LOAN-LOSSES>                                                               (31)
<SECURITIES-GAINS>                                                            0
<EXPENSE-OTHER>                                                             957
<INCOME-PRETAX>                                                           1,508
<INCOME-PRE-EXTRAORDINARY>                                                  937
<EXTRAORDINARY>                                                               0
<CHANGES>                                                                     0
<NET-INCOME>                                                                937
<EPS-PRIMARY>                                                               .74
<EPS-DILUTED>                                                               .72
<YIELD-ACTUAL>                                                             3.47
<LOANS-NON>                                                                 225
<LOANS-PAST>                                                                225
<LOANS-TROUBLED>                                                              0
<LOANS-PROBLEM>                                                               0
<ALLOWANCE-OPEN>                                                            245
<CHARGE-OFFS>                                                               (23)
<RECOVERIES>                                                                  0
<ALLOWANCE-CLOSE>                                                           253
<ALLOWANCE-DOMESTIC>                                                          0
<ALLOWANCE-FOREIGN>                                                           0
<ALLOWANCE-UNALLOCATED>                                                     253
        


</TABLE>