<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               SEP-30-1998
<CASH>                                           3,567
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                17,280
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     31,204
<INVESTMENTS-CARRYING>                          37,084
<INVESTMENTS-MARKET>                            37,083
<LOANS>                                         60,942
<ALLOWANCE>                                      1,775
<TOTAL-ASSETS>                                 127,343
<DEPOSITS>                                      95,099
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              2,114
<LONG-TERM>                                     10,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                        111
<COMMON>                                           317
<OTHER-SE>                                           0
<TOTAL-LIABILITIES-AND-EQUITY>                  20,130
<INTEREST-LOAN>                                  3,826
<INTEREST-INVEST>                                2,576
<INTEREST-OTHER>                                    66
<INTEREST-TOTAL>                                 6,468
<INTEREST-DEPOSIT>                               2,077
<INTEREST-EXPENSE>                                 453
<INTEREST-INCOME-NET>                            2,530
<LOAN-LOSSES>                                  (1,477)
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  5,219
<INCOME-PRETAX>                                  2,400
<INCOME-PRE-EXTRAORDINARY>                       2,400
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,389
<EPS-PRIMARY>                                     0.08
<EPS-DILUTED>                                     0.07
<YIELD-ACTUAL>                                    4.70
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 3,200
<CHARGE-OFFS>                                        0
<RECOVERIES>                                        52
<ALLOWANCE-CLOSE>                                1,775
<ALLOWANCE-DOMESTIC>                             1,775
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0