<TABLE> <S> <C>


<ARTICLE>                                            9

<LEGEND>
     THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL  INFORMATION  DERIVED FROM THE
QUARTERLY  REPORT ON FORM 10-Q AND IS  QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH FINANCIAL INFORMATION.
</LEGEND>

<MULTIPLIER>                                   1000
       
<S>                                            <C>
<PERIOD-TYPE>                                  9-MOS
<FISCAL-YEAR-END>                              DEC-31-1998
<PERIOD-END>                                   SEP-30-1998
<CASH>                                           5,886
<INT-BEARING-DEPOSITS>                             687
<FED-FUNDS-SOLD>                                 6,250
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     40,771
<INVESTMENTS-CARRYING>                         120,936
<INVESTMENTS-MARKET>                           121,502
<LOANS>                                        154,160
<ALLOWANCE>                                      1,329
<TOTAL-ASSETS>                                 340,701
<DEPOSITS>                                     233,544
<SHORT-TERM>                                    34,377
<LIABILITIES-OTHER>                              1,618
<LONG-TERM>                                     34,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           304
<OTHER-SE>                                      36,859
<TOTAL-LIABILITIES-AND-EQUITY>                 340,701
<INTEREST-LOAN>                                  8,471
<INTEREST-INVEST>                                8,686
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                17,157
<INTEREST-DEPOSIT>                               7,790
<INTEREST-EXPENSE>                              11,032
<INTEREST-INCOME-NET>                            6,125
<LOAN-LOSSES>                                      180
<SECURITIES-GAINS>                                  30
<EXPENSE-OTHER>                                  4,072
<INCOME-PRETAX>                                  2,154
<INCOME-PRE-EXTRAORDINARY>                       1,435
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,435
<EPS-PRIMARY>                                     0.65
<EPS-DILUTED>                                     0.62
<YIELD-ACTUAL>                                    2.46
<LOANS-NON>                                        953
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  1,292
<ALLOWANCE-OPEN>                                 1,168
<CHARGE-OFFS>                                       19
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                1,329
<ALLOWANCE-DOMESTIC>                             1,329
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,329
        


</TABLE>