<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
     THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL  INFORMATION  DERIVED FROM THE
QUARTERLY REPORT ON FORM 10-QSB AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH FINANCIAL INFORMATION.
</LEGEND>

<MULTIPLIER>                                   1000
       
<S>                                            <C>
<PERIOD-TYPE>                                  9-MOS
<FISCAL-YEAR-END>                              DEC-31-1998
<PERIOD-END>                                   SEP-30-1998
<CASH>                                           5,430
<INT-BEARING-DEPOSITS>                           1,664
<FED-FUNDS-SOLD>                                10,660
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     22,677
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        121,327
<ALLOWANCE>                                        869
<TOTAL-ASSETS>                                 168,318
<DEPOSITS>                                     152,236
<SHORT-TERM>                                     2,833
<LIABILITIES-OTHER>                              1,810
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            90
<OTHER-SE>                                      11,349
<TOTAL-LIABILITIES-AND-EQUITY>                 168,318
<INTEREST-LOAN>                                  7,814
<INTEREST-INVEST>                                  761
<INTEREST-OTHER>                                   376
<INTEREST-TOTAL>                                 8,951
<INTEREST-DEPOSIT>                               4,726
<INTEREST-EXPENSE>                               4,944
<INTEREST-INCOME-NET>                            4,007
<LOAN-LOSSES>                                      200
<SECURITIES-GAINS>                                 137
<EXPENSE-OTHER>                                  3,982
<INCOME-PRETAX>                                    334
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       216
<EPS-PRIMARY>                                     0.26
<EPS-DILUTED>                                     0.24
<YIELD-ACTUAL>                                    3.40
<LOANS-NON>                                        569
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  1,069
<ALLOWANCE-OPEN>                                   669
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  869
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        


</TABLE>