<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED FINANCIAL STATEMENTS INCLUDED WITHIN THE COMPANY'S SEPTEMBER 30,
1998 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>                                          10,108
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                19,700
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     11,055
<INVESTMENTS-CARRYING>                           5,874
<INVESTMENTS-MARKET>                             6,235
<LOANS>                                        215,639
<ALLOWANCE>                                      2,782
<TOTAL-ASSETS>                                 271,527
<DEPOSITS>                                     228,207
<SHORT-TERM>                                     5,165
<LIABILITIES-OTHER>                              6,608
<LONG-TERM>                                     12,792
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            14
<OTHER-SE>                                      18,741
<TOTAL-LIABILITIES-AND-EQUITY>                 271,527
<INTEREST-LOAN>                                 13,562
<INTEREST-INVEST>                                  833
<INTEREST-OTHER>                                   637
<INTEREST-TOTAL>                                15,032
<INTEREST-DEPOSIT>                               6,330
<INTEREST-EXPENSE>                               7,192
<INTEREST-INCOME-NET>                            7,840
<LOAN-LOSSES>                                      450
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  7,242
<INCOME-PRETAX>                                  1,842
<INCOME-PRE-EXTRAORDINARY>                       1,842
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,186
<EPS-PRIMARY>                                     0.82
<EPS-DILUTED>                                     0.79
<YIELD-ACTUAL>                                    4.18
<LOANS-NON>                                      3,459
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  1,482
<ALLOWANCE-OPEN>                                 2,560
<CHARGE-OFFS>                                      275
<RECOVERIES>                                        47
<ALLOWANCE-CLOSE>                                2,782
<ALLOWANCE-DOMESTIC>                             2,782
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>