<TABLE> <S> <C>

<ARTICLE>                     9
<LEGEND>
This  schedule  contains  summary  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-START>                                                       JAN-01-1998
<PERIOD-END>                                                         SEP-30-1998
<CASH>                                                                     4,910
<INT-BEARING-DEPOSITS>                                                    94,684
<FED-FUNDS-SOLD>                                                          15,640
<TRADING-ASSETS>                                                               0
<INVESTMENTS-HELD-FOR-SALE>                                               26,530
<INVESTMENTS-CARRYING>                                                     3,951
<INVESTMENTS-MARKET>                                                       4,081
<LOANS>                                                                   80,803
<ALLOWANCE>                                                                1,057
<TOTAL-ASSETS>                                                           138,386
<DEPOSITS>                                                               109,442
<SHORT-TERM>                                                               5,963
<LIABILITIES-OTHER>                                                          324
<LONG-TERM>                                                                2,000
<PREFERRED-MANDATORY>                                                          0
<PREFERRED>                                                                    0
<COMMON>                                                                   4,062
<OTHER-SE>                                                                15,820
<TOTAL-LIABILITIES-AND-EQUITY>                                           138,386
<INTEREST-LOAN>                                                            5,506
<INTEREST-INVEST>                                                          1,527
<INTEREST-OTHER>                                                               0
<INTEREST-TOTAL>                                                           7,117
<INTEREST-DEPOSIT>                                                         3,096
<INTEREST-EXPENSE>                                                         3,309
<INTEREST-INCOME-NET>                                                      3,809
<LOAN-LOSSES>                                                                154
<SECURITIES-GAINS>                                                             0
<EXPENSE-OTHER>                                                            3,025
<INCOME-PRETAX>                                                            1,482
<INCOME-PRE-EXTRAORDINARY>                                                   995
<EXTRAORDINARY>                                                                0
<CHANGES>                                                                      0
<NET-INCOME>                                                                 995
<EPS-PRIMARY>                                                               0.41
<EPS-DILUTED>                                                               0.39
<YIELD-ACTUAL>                                                              4.43
<LOANS-NON>                                                                  508
<LOANS-PAST>                                                                 324
<LOANS-TROUBLED>                                                             211
<LOANS-PROBLEM>                                                                0
<ALLOWANCE-OPEN>                                                             987
<CHARGE-OFFS>                                                                122
<RECOVERIES>                                                                  38
<ALLOWANCE-CLOSE>                                                          1,057
<ALLOWANCE-DOMESTIC>                                                       1,057
<ALLOWANCE-FOREIGN>                                                            0
<ALLOWANCE-UNALLOCATED>                                                        0
        

</TABLE>