<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET AND THE CONSOLIDATED STATEMENT OF INCOME FILED AS
PART OF THE QUARTERLY REPORT ON FORM 10-Q 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-START>                             JAN-01-1998
<PERIOD-END>                               SEP-30-1998
<CASH>                                          16,798
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                23,100
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     65,086
<INVESTMENTS-CARRYING>                          50,773
<INVESTMENTS-MARKET>                            51,286
<LOANS>                                        238,974
<ALLOWANCE>                                      1,904
<TOTAL-ASSETS>                                 402,608
<DEPOSITS>                                     356,840
<SHORT-TERM>                                       780
<LIABILITIES-OTHER>                              2,523
<LONG-TERM>                                      5,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         3,779
<OTHER-SE>                                      33,686
<TOTAL-LIABILITIES-AND-EQUITY>                 402,608
<INTEREST-LOAN>                                 15,720
<INTEREST-INVEST>                                5,157
<INTEREST-OTHER>                                   573
<INTEREST-TOTAL>                                21,450
<INTEREST-DEPOSIT>                              10,420
<INTEREST-EXPENSE>                              10,686
<INTEREST-INCOME-NET>                           10,764
<LOAN-LOSSES>                                      349
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  8,423
<INCOME-PRETAX>                                  5,052
<INCOME-PRE-EXTRAORDINARY>                       3,477
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,477
<EPS-PRIMARY>                                      .83
<EPS-DILUTED>                                      .83
<YIELD-ACTUAL>                                    3.99
<LOANS-NON>                                      1,221
<LOANS-PAST>                                     3,256
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,842
<CHARGE-OFFS>                                      445
<RECOVERIES>                                       158
<ALLOWANCE-CLOSE>                                1,904
<ALLOWANCE-DOMESTIC>                             1,904
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            316
        

</TABLE>