<TABLE> <S> <C>

<ARTICLE>            9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM
THE FORM 10-QSB FOR THE QUARTER LY PERIOD ENDING SEPTEMBER 30, 1998 AND IS
QUALIFIED IN ITS ENITRETY BY REFERENCE TO SUCH 10-QSB
</LEGEND>
<MULTIPLIER>                1,000
       
<S>                                  <C>
<PERIOD-TYPE>                        YEAR
<FISCAL-YEAR-END>                                    DEC-31-1998
<PERIOD-END>                                         SEP-30-1998
<CASH>                                                     2,352
<INT-BEARING-DEPOSITS>                                         0
<FED-FUNDS-SOLD>                                           5,633
<TRADING-ASSETS>                                               0
<INVESTMENTS-HELD-FOR-SALE>                               20,601
<INVESTMENTS-CARRYING>                                    13,883
<INVESTMENTS-MARKET>                                      14,296
<LOANS>                                                   86,411
<ALLOWANCE>                                                  842
<TOTAL-ASSETS>                                           135,112
<DEPOSITS>                                               117,856
<SHORT-TERM>                                                   0
<LIABILITIES-OTHER>                                        2,358
<LONG-TERM>                                                    0
<PREFERRED-MANDATORY>                                          0
<PREFERRED>                                                    0
<COMMON>                                                   2,157
<OTHER-SE>                                                12,741
<TOTAL-LIABILITIES-AND-EQUITY>                           135,112
<INTEREST-LOAN>                                            5,981
<INTEREST-INVEST>                                          1,559
<INTEREST-OTHER>                                             287
<INTEREST-TOTAL>                                           7,827
<INTEREST-DEPOSIT>                                         3,861
<INTEREST-EXPENSE>                                         3,906
<INTEREST-INCOME-NET>                                      3,921
<LOAN-LOSSES>                                                225
<SECURITIES-GAINS>                                             6
<EXPENSE-OTHER>                                            2,486
<INCOME-PRETAX>                                            1,573
<INCOME-PRE-EXTRAORDINARY>                                 1,573
<EXTRAORDINARY>                                                0
<CHANGES>                                                      0
<NET-INCOME>                                                1116
<EPS-PRIMARY>                                               1.55
<EPS-DILUTED>                                               1.55
<YIELD-ACTUAL>                                              4.32
<LOANS-NON>                                                   45
<LOANS-PAST>                                                 423
<LOANS-TROUBLED>                                               0
<LOANS-PROBLEM>                                                0
<ALLOWANCE-OPEN>                                             747
<CHARGE-OFFS>                                                233
<RECOVERIES>                                                 103
<ALLOWANCE-CLOSE>                                            842
<ALLOWANCE-DOMESTIC>                                         842
<ALLOWANCE-FOREIGN>                                            0
<ALLOWANCE-UNALLOCATED>                                      587
        

</TABLE>