<TABLE> <S> <C>

<ARTICLE>                   9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE QUARTERLY
REPORT ON FORM 10-QSB FOR THE FISCAL PERIODS ENDED SEPTEMBER 30, 1998 AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER>              1,000
       
<S>                                        <C>                  <C>               <C>                <C>
<PERIOD-TYPE>                                    3-MOS            3-MOS            9-MOS            9-MOS
<FISCAL-YEAR-END>                               Dec-31-1998       Dec-31-1997      Dec-31-1998      Dec-31-1997
<PERIOD-END>                                    Sep-30-1998       Sep-30-1997      Sep-30-1998      Sep-30-1997
<CASH>                                                1,182               867            1,182              867
<INT-BEARING-DEPOSITS>                                  580               866              580              866
<FED-FUNDS-SOLD>                                          0                 0                0                0
<TRADING-ASSETS>                                          0                 0                0                0
<INVESTMENTS-HELD-FOR-SALE>                          35,399            29,497           35,399           29,497
<INVESTMENTS-CARRYING>                               21,451            21,462           21,451           21,462
<INVESTMENTS-MARKET>                                 21,820            21,644           21,820           21,644
<LOANS>                                              94,931            90,896           94,931           90,896
<ALLOWANCE>                                             470               722              470              722
<TOTAL-ASSETS>                                      160,583           149,850          160,583          149,850
<DEPOSITS>                                          104,712           105,826          104,712          105,826
<SHORT-TERM>                                         15,000            16,500           15,000           16,500
<LIABILITIES-OTHER>                                   1,051             1,158            1,051            1,158
<LONG-TERM>                                          28,000            16,000           28,000           16,000
<COMMON>                                             11,820            10,366           11,820           10,366
<PREFERRED-MANDATORY>                                     0                 0                0                0
<PREFERRED>                                               0                 0                0                0
<OTHER-SE>                                                0                 0                0                0
<TOTAL-LIABILITIES-AND-EQUITY>                      160,583           149,850          160,583          149,850
<INTEREST-LOAN>                                       1,910             1,817            5,650            5,218
<INTEREST-INVEST>                                       939               923            2,871            2,742
<INTEREST-OTHER>                                          0                 0                0                0
<INTEREST-TOTAL>                                      2,849             2,740            8,521            7,960
<INTEREST-DEPOSIT>                                    1,238             1,287            3,701            3,767
<INTEREST-EXPENSE>                                    1,819             1,724            5,399            4,955
<INTEREST-INCOME-NET>                                 1,030             1,016            3,122            3,005
<LOAN-LOSSES>                                            12                12               36               36
<SECURITIES-GAINS>                                       17               181              114              181
<EXPENSE-OTHER>                                         700               615            2,123            1,895
<INCOME-PRETAX>                                         453               652             1506            1,502
<INCOME-PRE-EXTRAORDINARY>                              453               652             1506            1,502
<EXTRAORDINARY>                                           0                 0                0                0
<CHANGES>                                                 0                 0                0                0
<NET-INCOME>                                            330               417             1050              954
<EPS-PRIMARY>                                          0.31              0.41             1.01             0.92
<EPS-DILUTED>                                          0.30              0.38             0.95             0.86
<YIELD-ACTUAL>                                         2.87              2.85             2.86             2.89
<LOANS-NON>                                             199               746              199              746
<LOANS-PAST>                                              0                 0                0                0
<LOANS-TROUBLED>                                          0                 0                0                0
<LOANS-PROBLEM>                                           0                 0                0                0
<ALLOWANCE-OPEN>                                        458               710              568              686
<CHARGE-OFFS>                                             0                 0              134                0
<RECOVERIES>                                              0                 0                0                0
<ALLOWANCE-CLOSE>                                       470               722              470              722
<ALLOWANCE-DOMESTIC>                                    374               659              374              659
<ALLOWANCE-FOREIGN>                                       0                 0                0                0
<ALLOWANCE-UNALLOCATED>                                  96                63               96               63
        


</TABLE>