<TABLE> <S> <C>

<ARTICLE>  9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE QUARTERLY
REPORT ON FORM 10-Q SB FOR THE FISCAL  QUARTER  ENDED  SEPTEMBER 30, 1998 AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER>  1000
       
<S>                             <C>                     <C>
<PERIOD-TYPE>                   9-MOS                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1998             DEC-31-1997
<PERIOD-END>                               SEP-30-1998             SEP-30-1997
<CASH>                                           1,259                   1,177
<INT-BEARING-DEPOSITS>                               0                       0
<FED-FUNDS-SOLD>                                 6,100                   3,400
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                     10,126                   4,050
<INVESTMENTS-CARRYING>                          12,821                  31,001
<INVESTMENTS-MARKET>                            12,928                  31,066
<LOANS>                                        141,373                 129,529
<ALLOWANCE>                                        891                     752
<TOTAL-ASSETS>                                 176,244                 174,093
<DEPOSITS>                                     151,813                 149,854
<SHORT-TERM>                                         0                       0
<LIABILITIES-OTHER>                              2,287                   2,523
<LONG-TERM>                                          0                       0
<COMMON>                                            15                      15
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<OTHER-SE>                                      22,129                  21,701
<TOTAL-LIABILITIES-AND-EQUITY>                 176,244                 174,093
<INTEREST-LOAN>                                  8,042                   7,188
<INTEREST-INVEST>                                1,345                   1,818
<INTEREST-OTHER>                                   224                     204
<INTEREST-TOTAL>                                 9,611                   9,210
<INTEREST-DEPOSIT>                               5,227                   4,892
<INTEREST-EXPENSE>                               5,227                   4,892
<INTEREST-INCOME-NET>                            4,384                   4,318
<LOAN-LOSSES>                                       90                      90
<SECURITIES-GAINS>                                   0                       0
<EXPENSE-OTHER>                                  3,227                   3,198
<INCOME-PRETAX>                                  1,402                   1,297
<INCOME-PRE-EXTRAORDINARY>                       1,402                   1,297
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                       819                     789
<EPS-PRIMARY>                                      .75                     .71
<EPS-DILUTED>                                      .71                     .68
<YIELD-ACTUAL>                                    3.41                    3.49
<LOANS-NON>                                      1,284                   1,133
<LOANS-PAST>                                         7                      68
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                   778                     642
<CHARGE-OFFS>                                       21                       9
<RECOVERIES>                                        44                      29
<ALLOWANCE-CLOSE>                                  891                     752
<ALLOWANCE-DOMESTIC>                               527                     437
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                            364                     315
        

</TABLE>