<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>                                              25,064
<INT-BEARING-DEPOSITS>                                 946
<FED-FUNDS-SOLD>                                     7,110
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                         44,038
<INVESTMENTS-CARRYING>                              30,218
<INVESTMENTS-MARKET>                                31,609
<LOANS>                                            301,265
<ALLOWANCE>                                          4,548
<TOTAL-ASSETS>                                     432,212
<DEPOSITS>                                         378,384
<SHORT-TERM>                                         5,347
<LIABILITIES-OTHER>                                  9,050
<LONG-TERM>                                              0
<COMMON>                                             2,170
<PREFERRED-MANDATORY>                               11,168
<PREFERRED>                                              0
<OTHER-SE>                                          26,093
<TOTAL-LIABILITIES-AND-EQUITY>                     432,212
<INTEREST-LOAN>                                     21,818
<INTEREST-INVEST>                                    3,614
<INTEREST-OTHER>                                        32
<INTEREST-TOTAL>                                    25,464
<INTEREST-DEPOSIT>                                  11,704
<INTEREST-EXPENSE>                                  11,736
<INTEREST-INCOME-NET>                               13,728
<LOAN-LOSSES>                                          764
<SECURITIES-GAINS>                                      41
<EXPENSE-OTHER>                                     14,680
<INCOME-PRETAX>                                      8,576
<INCOME-PRE-EXTRAORDINARY>                           8,576
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                         5,738
<EPS-PRIMARY>                                         2.64
<EPS-DILUTED>                                         2.61
<YIELD-ACTUAL>                                        3.58
<LOANS-NON>                                          1,215
<LOANS-PAST>                                           446
<LOANS-TROUBLED>                                       683
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                     4,024
<CHARGE-OFFS>                                          367
<RECOVERIES>                                           127
<ALLOWANCE-CLOSE>                                    4,548
<ALLOWANCE-DOMESTIC>                                     0
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                              4,548
                                                          

</TABLE>