<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>                                                                     2,069
<INT-BEARING-DEPOSITS>                                                       416
<FED-FUNDS-SOLD>                                                          17,024
<TRADING-ASSETS>                                                               0
<INVESTMENTS-HELD-FOR-SALE>                                               28,473
<INVESTMENTS-CARRYING>                                                    31,999
<INVESTMENTS-MARKET>                                                      32,120
<LOANS>                                                                  425,695
<ALLOWANCE>                                                                1,725
<TOTAL-ASSETS>                                                           528,117
<DEPOSITS>                                                               418,953
<SHORT-TERM>                                                                   0
<LIABILITIES-OTHER>                                                        3,945
<LONG-TERM>                                                               38,392
<PREFERRED-MANDATORY>                                                          0
<PREFERRED>                                                                    0
<COMMON>                                                                     560
<OTHER-SE>                                                                66,267
<TOTAL-LIABILITIES-AND-EQUITY>                                           528,117
<INTEREST-LOAN>                                                           24,531
<INTEREST-INVEST>                                                          2,826
<INTEREST-OTHER>                                                           1,164
<INTEREST-TOTAL>                                                          28,521
<INTEREST-DEPOSIT>                                                        15,426
<INTEREST-EXPENSE>                                                        17,265
<INTEREST-INCOME-NET>                                                     11,256
<LOAN-LOSSES>                                                                 77
<SECURITIES-GAINS>                                                            62
<EXPENSE-OTHER>                                                            6,952
<INCOME-PRETAX>                                                            5,393
<INCOME-PRE-EXTRAORDINARY>                                                 3,452
<EXTRAORDINARY>                                                                0
<CHANGES>                                                                      0
<NET-INCOME>                                                               3,452
<EPS-PRIMARY>                                                                .64
<EPS-DILUTED>                                                                .63
<YIELD-ACTUAL>                                                              2.92
<LOANS-NON>                                                                1,295
<LOANS-PAST>                                                                   0
<LOANS-TROUBLED>                                                               0
<LOANS-PROBLEM>                                                                0
<ALLOWANCE-OPEN>                                                           1,658
<CHARGE-OFFS>                                                                 10
<RECOVERIES>                                                                   0
<ALLOWANCE-CLOSE>                                                          1,725
<ALLOWANCE-DOMESTIC>                                                           0
<ALLOWANCE-FOREIGN>                                                            0
<ALLOWANCE-UNALLOCATED>                                                    1,725
        


</TABLE>