<TABLE> <S> <C>


<ARTICLE>                                            9
<MULTIPLIER>                                    1,000
       
<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                              DEC-31-1998
<PERIOD-END>                                   SEP-30-1998
<CASH>                                              11,475
<INT-BEARING-DEPOSITS>                                  36
<FED-FUNDS-SOLD>                                     2,424
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                         72,266
<INVESTMENTS-CARRYING>                              49,480
<INVESTMENTS-MARKET>                                50,060
<LOANS>                                            169,115
<ALLOWANCE>                                          2,983
<TOTAL-ASSETS>                                     313,526
<DEPOSITS>                                         271,993
<SHORT-TERM>                                        10,958
<LIABILITIES-OTHER>                                  2,636
<LONG-TERM>                                              0
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                             1,790
<OTHER-SE>                                          25,205
<TOTAL-LIABILITIES-AND-EQUITY>                     313,526
<INTEREST-LOAN>                                     11,004
<INTEREST-INVEST>                                    5,461
<INTEREST-OTHER>                                       260
<INTEREST-TOTAL>                                    16,725
<INTEREST-DEPOSIT>                                   6,966
<INTEREST-EXPENSE>                                   7,223
<INTEREST-INCOME-NET>                                9,502
<LOAN-LOSSES>                                          300
<SECURITIES-GAINS>                                      75
<EXPENSE-OTHER>                                      7,008
<INCOME-PRETAX>                                      3,858
<INCOME-PRE-EXTRAORDINARY>                           2,782
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                         2,782
<EPS-PRIMARY>                                         1.94
<EPS-DILUTED>                                         1.93
<YIELD-ACTUAL>                                        4.55
<LOANS-NON>                                            856
<LOANS-PAST>                                             6
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                      2,400
<ALLOWANCE-OPEN>                                     2,670
<CHARGE-OFFS>                                           18
<RECOVERIES>                                            31
<ALLOWANCE-CLOSE>                                    2,983
<ALLOWANCE-DOMESTIC>                                 2,983
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                              1,989
                                           

</TABLE>