<TABLE> <S> <C>



<ARTICLE>             9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
REGISTRANTS INTERIM FINANCIAL STATEMENTS AT AND FOR THE PERIOD ENDED
SEPTEMBER 30, 1998 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH 
FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER>                  1,000
       
<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                           DEC-31-1998
<PERIOD-END>                                SEP-30-1998
<CASH>                                           15,915
<INT-BEARING-DEPOSITS>                            1,097
<FED-FUNDS-SOLD>                                      0
<TRADING-ASSETS>                                      0
<INVESTMENTS-HELD-FOR-SALE>                      86,938
<INVESTMENTS-CARRYING>                           62,739
<INVESTMENTS-MARKET>                             62,739
<LOANS>                                         129,287
<ALLOWANCE>                                       3,226
<TOTAL-ASSETS>                                  306,235
<DEPOSITS>                                      228,311
<SHORT-TERM>                                          0
<LIABILITIES-OTHER>                               1,019
<LONG-TERM>                                           0
<PREFERRED-MANDATORY>                                 0
<PREFERRED>                                           0
<COMMON>                                         30,882
<OTHER-SE>                                        5,488
<TOTAL-LIABILITIES-AND-EQUITY>                  306,235
<INTEREST-LOAN>                                   7,852
<INTEREST-INVEST>                                 8,261
<INTEREST-OTHER>                                      0
<INTEREST-TOTAL>                                 15,968
<INTEREST-DEPOSIT>                                7,360
<INTEREST-EXPENSE>                                9,105
<INTEREST-INCOME-NET>                             6,863
<LOAN-LOSSES>                                       225
<SECURITIES-GAINS>                                    0
<EXPENSE-OTHER>                                   4,487
<INCOME-PRETAX>                                   2,430
<INCOME-PRE-EXTRAORDINARY>                        2,430
<EXTRAORDINARY>                                       0
<CHANGES>                                             0
<NET-INCOME>                                      1,600
<EPS-PRIMARY>                                       .71
<EPS-DILUTED>                                       .69
<YIELD-ACTUAL>                                     7.32
<LOANS-NON>                                       2,120
<LOANS-PAST>                                      2,120
<LOANS-TROUBLED>                                    488
<LOANS-PROBLEM>                                       0
<ALLOWANCE-OPEN>                                  3,061
<CHARGE-OFFS>                                        60
<RECOVERIES>                                          0
<ALLOWANCE-CLOSE>                                 3,226
<ALLOWANCE-DOMESTIC>                              3,226
<ALLOWANCE-FOREIGN>                                   0
<ALLOWANCE-UNALLOCATED>                               0
                                                  


</TABLE>