<TABLE> <S> <C>


<ARTICLE> 9
       
<S>                             <C>                     <C>
<PERIOD-TYPE>                   9-MOS                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1997             DEC-31-1996
<PERIOD-END>                               SEP-30-1998             SEP-30-1997
<CASH>                                            3503                    3578
<INT-BEARING-DEPOSITS>                            1096                      97
<FED-FUNDS-SOLD>                                  9700                    7300
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                      31092                   39651
<INVESTMENTS-CARRYING>                           26686                   30091
<INVESTMENTS-MARKET>                             26840                   30146
<LOANS>                                          58575                   58664
<ALLOWANCE>                                       1400                     825
<TOTAL-ASSETS>                                  136062                  145090
<DEPOSITS>                                      108263                  122487
<SHORT-TERM>                                      1500                    7779
<LIABILITIES-OTHER>                               1351                    1326
<LONG-TERM>                                      14749                    3749
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                       1547                    1547
<COMMON>                                          2127                    2051
<OTHER-SE>                                        6581                    6188
<TOTAL-LIABILITIES-AND-EQUITY>                  136062                  145090
<INTEREST-LOAN>                                   3928                    3891
<INTEREST-INVEST>                                 3228                    3266
<INTEREST-OTHER>                                     0                       0
<INTEREST-TOTAL>                                  7156                    7157
<INTEREST-DEPOSIT>                                2873                    2948
<INTEREST-EXPENSE>                                 565                     303
<INTEREST-INCOME-NET>                             3175                    3906
<LOAN-LOSSES>                                      543                      43
<SECURITIES-GAINS>                                   5                      19
<EXPENSE-OTHER>                                   3705                    3552
<INCOME-PRETAX>                                    473                    1192
<INCOME-PRE-EXTRAORDINARY>                         473                    1192
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                       365                     760
<EPS-PRIMARY>                                     2.48                    6.27
<EPS-DILUTED>                                     2.28                    5.66
<YIELD-ACTUAL>                                    3.26                    4.09
<LOANS-NON>                                       2055                    1277
<LOANS-PAST>                                       341                      76
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                   825                     750
<CHARGE-OFFS>                                      108                      31
<RECOVERIES>                                       141                      63
<ALLOWANCE-CLOSE>                                 1400                     825
<ALLOWANCE-DOMESTIC>                              1291                     737
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                            109                      88
        


</TABLE>