<TABLE> <S> <C>

<ARTICLE>    9
<MULTIPLIER> 1,000
       
<S>                                   <C>                   <C>
<PERIOD-TYPE>                         YEAR                  YEAR
<FISCAL-YEAR-END>                           DEC-31-1998     DEC-31-1997
<PERIOD-END>                                SEP-30-1998     SEP-30-1997
<CASH>                                        17,962           20,044
<INT-BEARING-DEPOSITS>                         1,086            1,110
<FED-FUNDS-SOLD>                               1,000            1,600
<TRADING-ASSETS>                                   0                0
<INVESTMENTS-HELD-FOR-SALE>                  128,981          119,011
<INVESTMENTS-CARRYING>                        27,146           27,116
<INVESTMENTS-MARKET>                          27,459           27,128
<LOANS>                                      377,293          328,832
<ALLOWANCE>                                    5,543            5,526
<TOTAL-ASSETS>                               567,896          507,509
<DEPOSITS>                                   497,920          459,919
<SHORT-TERM>                                  17,799           10,680
<LIABILITIES-OTHER>                            4,482            3,753
<LONG-TERM>                                   10,210              210
<PREFERRED-MANDATORY>                              0                0
<PREFERRED>                                        0                0
<COMMON>                                       3,623            3,585
<OTHER-SE>                                    33,862           29,362
<TOTAL-LIABILITIES-AND-EQUITY>               567,896          507,509
<INTEREST-LOAN>                               22,975           20,878
<INTEREST-INVEST>                              7,442            6,332
<INTEREST-OTHER>                                 386              355
<INTEREST-TOTAL>                              30,803           27,565
<INTEREST-DEPOSIT>                            13,280           12,095
<INTEREST-EXPENSE>                               721           12,269
<INTEREST-INCOME-NET>                         16,802           15,296
<LOAN-LOSSES>                                    150                0
<SECURITIES-GAINS>                                24                0
<EXPENSE-OTHER>                               14,717           13,056
<INCOME-PRETAX>                                5,010            4,730
<INCOME-PRE-EXTRAORDINARY>                     3,624            3,202
<EXTRAORDINARY>                                    0                0
<CHANGES>                                          0                0
<NET-INCOME>                                   3,624            3,202
<EPS-PRIMARY>                                   1.00             0.89
<EPS-DILUTED>                                   0.95             0.86
<YIELD-ACTUAL>                                  4.31             4.54
<LOANS-NON>                                    1,989            2,332
<LOANS-PAST>                                   1,564            1,017
<LOANS-TROUBLED>                                   0                0
<LOANS-PROBLEM>                                    0                0
<ALLOWANCE-OPEN>                               5,580            5,696
<CHARGE-OFFS>                                    394              376
<RECOVERIES>                                     207              206
<ALLOWANCE-CLOSE>                              5,543            5,526
<ALLOWANCE-DOMESTIC>                           5,543            5,526
<ALLOWANCE-FOREIGN>                                0                0
<ALLOWANCE-UNALLOCATED>                            0                0
        

</TABLE>