<TABLE> <S> <C>


<ARTICLE>                                                                      9
<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>                                                                     3,849
<INT-BEARING-DEPOSITS>                                                     1,551
<FED-FUNDS-SOLD>                                                             800
<TRADING-ASSETS>                                                               0
<INVESTMENTS-HELD-FOR-SALE>                                                3,689
<INVESTMENTS-CARRYING>                                                     4,582
<INVESTMENTS-MARKET>                                                       4,532
<LOANS>                                                                  115,465
<ALLOWANCE>                                                                1,325
<TOTAL-ASSETS>                                                           136,315
<DEPOSITS>                                                               111,152
<SHORT-TERM>                                                                   0
<LIABILITIES-OTHER>                                                        1,787
<LONG-TERM>                                                                5,000
<PREFERRED-MANDATORY>                                                          0
<PREFERRED>                                                                    0
<COMMON>                                                                       0
<OTHER-SE>                                                                18,377
<TOTAL-LIABILITIES-AND-EQUITY>                                           136,315
<INTEREST-LOAN>                                                            7,012
<INTEREST-INVEST>                                                            499
<INTEREST-OTHER>                                                             181
<INTEREST-TOTAL>                                                           7,692
<INTEREST-DEPOSIT>                                                         3,505
<INTEREST-EXPENSE>                                                         3,642
<INTEREST-INCOME-NET>                                                      4,050
<LOAN-LOSSES>                                                                215
<SECURITIES-GAINS>                                                             0
<EXPENSE-OTHER>                                                            3,114
<INCOME-PRETAX>                                                            1,614
<INCOME-PRE-EXTRAORDINARY>                                                   973
<EXTRAORDINARY>                                                                0
<CHANGES>                                                                      0
<NET-INCOME>                                                                 973
<EPS-PRIMARY>                                                                .88
<EPS-DILUTED>                                                                .86
<YIELD-ACTUAL>                                                              4.24
<LOANS-NON>                                                                    0
<LOANS-PAST>                                                               1,304
<LOANS-TROUBLED>                                                               0
<LOANS-PROBLEM>                                                                0
<ALLOWANCE-OPEN>                                                           1,160
<CHARGE-OFFS>                                                                184
<RECOVERIES>                                                                 134
<ALLOWANCE-CLOSE>                                                          1,325
<ALLOWANCE-DOMESTIC>                                                           0
<ALLOWANCE-FOREIGN>                                                            0
<ALLOWANCE-UNALLOCATED>                                                    1,325
        


</TABLE>