<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>                                           5,247
<INT-BEARING-DEPOSITS>                          29,706
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    249,231
<INVESTMENTS-CARRYING>                          40,953
<INVESTMENTS-MARKET>                            41,859
<LOANS>                                        121,776
<ALLOWANCE>                                        757
<TOTAL-ASSETS>                                 460,482
<DEPOSITS>                                     264,030
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                             95,498
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           900
<OTHER-SE>                                     100,054
<TOTAL-LIABILITIES-AND-EQUITY>                 460,482
<INTEREST-LOAN>                                  6,432
<INTEREST-INVEST>                                9,954
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                16,386
<INTEREST-DEPOSIT>                               7,978
<INTEREST-EXPENSE>                               8,727
<INTEREST-INCOME-NET>                            7,659
<LOAN-LOSSES>                                       45
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  5,222
<INCOME-PRETAX>                                  2,793
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,754
<EPS-PRIMARY>                                     0.10
<EPS-DILUTED>                                     0.09
<YIELD-ACTUAL>                                    2.61
<LOANS-NON>                                        448
<LOANS-PAST>                                     1,049
<LOANS-TROUBLED>                                   175
<LOANS-PROBLEM>                                  2,473
<ALLOWANCE-OPEN>                                   758
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  757
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            262
        


</TABLE>