<TABLE> <S> <C>

<ARTICLE>     9
<LEGEND>
This schedule  contains  financial  information  extracted from the Consolidated
Balance Sheet at September 30, 1998 (unaudited),  and the Consolidated Statement
of Income for the nine  months  ended  September  30, 1998  (unaudited),  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>                                                                    2,387
<INT-BEARING-DEPOSITS>                                                        0
<FED-FUNDS-SOLD>                                                         13,870
<TRADING-ASSETS>                                                              0
<INVESTMENTS-HELD-FOR-SALE>                                              30,011
<INVESTMENTS-CARRYING>                                                        0
<INVESTMENTS-MARKET>                                                          0
<LOANS>                                                                  69,897
<ALLOWANCE>                                                               1,045
<TOTAL-ASSETS>                                                          119,512
<DEPOSITS>                                                              105,245
<SHORT-TERM>                                                                  0
<LIABILITIES-OTHER>                                                         977
<LONG-TERM>                                                                   0
<PREFERRED-MANDATORY>                                                         0
<PREFERRED>                                                                   0
<COMMON>                                                                 10,509
<OTHER-SE>                                                                2,781
<TOTAL-LIABILITIES-AND-EQUITY>                                          119,512
<INTEREST-LOAN>                                                           4,587
<INTEREST-INVEST>                                                         1,331
<INTEREST-OTHER>                                                            748
<INTEREST-TOTAL>                                                          6,666
<INTEREST-DEPOSIT>                                                        3,369
<INTEREST-EXPENSE>                                                        3,369
<INTEREST-INCOME-NET>                                                     3,297
<LOAN-LOSSES>                                                               190
<SECURITIES-GAINS>                                                            0
<EXPENSE-OTHER>                                                           1,522
<INCOME-PRETAX>                                                           2,008
<INCOME-PRE-EXTRAORDINARY>                                                1,291
<EXTRAORDINARY>                                                               0
<CHANGES>                                                                     0
<NET-INCOME>                                                              1,291
<EPS-PRIMARY>                                                               .73
<EPS-DILUTED>                                                               .70
<YIELD-ACTUAL>                                                             3.82
<LOANS-NON>                                                                 129
<LOANS-PAST>                                                                  0
<LOANS-TROUBLED>                                                              0
<LOANS-PROBLEM>                                                             656
<ALLOWANCE-OPEN>                                                            890
<CHARGE-OFFS>                                                                56
<RECOVERIES>                                                                 21
<ALLOWANCE-CLOSE>                                                         1,045
<ALLOWANCE-DOMESTIC>                                                      1,045
<ALLOWANCE-FOREIGN>                                                           0
<ALLOWANCE-UNALLOCATED>                                                       0
        

</TABLE>