<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
The schedule contains summary information extracted from the quarterly report on
Form 10-QSB for the quarter  ended  September  30, 1998 and is  qualified in its
entirety by reference to such financial statements.
</LEGEND>

<MULTIPLIER>                                   1,000
       
<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                              DEC-31-1998
<PERIOD-END>                                   SEP-30-1998
<CASH>                                                1382 
<INT-BEARING-DEPOSITS>                                9841 
<FED-FUNDS-SOLD>                                         0 
<TRADING-ASSETS>                                         0 
<INVESTMENTS-HELD-FOR-SALE>                          10783 
<INVESTMENTS-CARRYING>                                   0 
<INVESTMENTS-MARKET>                                     0 
<LOANS>                                             196033 
<ALLOWANCE>                                           1558 
<TOTAL-ASSETS>                                      227044 
<DEPOSITS>                                          157387 
<SHORT-TERM>                                         50000 
<LIABILITIES-OTHER>                                   1315 
<LONG-TERM>                                            164 
<PREFERRED-MANDATORY>                                    0 
<PREFERRED>                                              0 
<COMMON>                                                 9 
<OTHER-SE>                                           18169 
<TOTAL-LIABILITIES-AND-EQUITY>                      227044 
<INTEREST-LOAN>                                      11863 
<INTEREST-INVEST>                                      606 
<INTEREST-OTHER>                                       172 
<INTEREST-TOTAL>                                     12641 
<INTEREST-DEPOSIT>                                    4984 
<INTEREST-EXPENSE>                                    7256 
<INTEREST-INCOME-NET>                                 3548 
<LOAN-LOSSES>                                           84 
<SECURITIES-GAINS>                                       0 
<EXPENSE-OTHER>                                       4048 
<INCOME-PRETAX>                                       2266 
<INCOME-PRE-EXTRAORDINARY>                            2266 
<EXTRAORDINARY>                                          0 
<CHANGES>                                                0 
<NET-INCOME>                                          1343 
<EPS-PRIMARY>                                         1.55 
<EPS-DILUTED>                                         1.49 
<YIELD-ACTUAL>                                        3.49
<LOANS-NON>                                           1125 
<LOANS-PAST>                                             0 
<LOANS-TROUBLED>                                      1400 
<LOANS-PROBLEM>                                       1280 
<ALLOWANCE-OPEN>                                      1478 
<CHARGE-OFFS>                                            0 
<RECOVERIES>                                             0 
<ALLOWANCE-CLOSE>                                     1558 
<ALLOWANCE-DOMESTIC>                                  1558 
<ALLOWANCE-FOREIGN>                                      0 
<ALLOWANCE-UNALLOCATED>                                192 
                                               


</TABLE>