<TABLE> <S> <C>


<ARTICLE>                                            9
       
<S>                                            <C>               <C>
<PERIOD-TYPE>                                9-MOS             3-MOS
<FISCAL-YEAR-END>                      Dec-31-1998       Dec-31-1998
<PERIOD-END>                           Sep-30-1998       Sep-30-1998
<CASH>                                       9,179             9,179
<INT-BEARING-DEPOSITS>                       2,803             2,803
<FED-FUNDS-SOLD>                            20,732            20,732
<TRADING-ASSETS>                             2,680             2,680
<INVESTMENTS-HELD-FOR-SALE>                 87,205            87,205
<INVESTMENTS-CARRYING>                           0                 0
<INVESTMENTS-MARKET>                             0                 0
<LOANS>                                    169,407           169,407
<ALLOWANCE>                                  2,615             2,615
<TOTAL-ASSETS>                             303,205           303,205
<DEPOSITS>                                 237,137           237,137
<SHORT-TERM>                                15,288            15,288
<LIABILITIES-OTHER>                          5,946             5,946
<LONG-TERM>                                 18,717            18,717
<PREFERRED-MANDATORY>                            0                 0
<PREFERRED>                                      0                 0
<COMMON>                                     8,995             8,995
<OTHER-SE>                                  17,123            17,123
<TOTAL-LIABILITIES-AND-EQUITY>             303,205           303,205
<INTEREST-LOAN>                             11,476             3,808
<INTEREST-INVEST>                            4,725             1,534
<INTEREST-OTHER>                                 0                 0
<INTEREST-TOTAL>                            16,201             5,342
<INTEREST-DEPOSIT>                           7,198             2,443
<INTEREST-EXPENSE>                           8,698             2,924
<INTEREST-INCOME-NET>                        7,502             2,418
<LOAN-LOSSES>                                  206               100
<SECURITIES-GAINS>                             821               118
<EXPENSE-OTHER>                              7,291             2,309
<INCOME-PRETAX>                              3,096               822
<INCOME-PRE-EXTRAORDINARY>                       0                 0
<EXTRAORDINARY>                                  0                 0
<CHANGES>                                        0                 0
<NET-INCOME>                                 2,343               656
<EPS-PRIMARY>                                 1.30              0.36
<EPS-DILUTED>                                 1.27              0.36
<YIELD-ACTUAL>                                8.17              7.93
<LOANS-NON>                                    668               668
<LOANS-PAST>                                   226               226
<LOANS-TROUBLED>                                 0                 0
<LOANS-PROBLEM>                                  0                 0
<ALLOWANCE-OPEN>                             2,539             2,611
<CHARGE-OFFS>                                  252               102
<RECOVERIES>                                   122                 6
<ALLOWANCE-CLOSE>                            2,615             2,615
<ALLOWANCE-DOMESTIC>                         2,373             2,373
<ALLOWANCE-FOREIGN>                              0                 0
<ALLOWANCE-UNALLOCATED>                        242               242
        


</TABLE>