[ARTICLE] 9
<TABLE>
<S>                             <C>
[PERIOD-TYPE]                   9-MOS
[FISCAL-YEAR-END]                          DEC-30-1998
[PERIOD-END]                               SEP-30-1998
[CASH]                                           2,103
[INT-BEARING-DEPOSITS]                              00
[FED-FUNDS-SOLD]                                13,040
[TRADING-ASSETS]                                    00
[INVESTMENTS-HELD-FOR-SALE]                     25,165
[INVESTMENTS-CARRYING]                              00
[INVESTMENTS-MARKET]                                00
[LOANS]                                         59,315
[ALLOWANCE]                                        576
[TOTAL-ASSETS]                                 102,661
[DEPOSITS]                                      93,768
[SHORT-TERM]                                        00
[LIABILITIES-OTHER]                                170
[LONG-TERM]                                         00
[PREFERRED-MANDATORY]                               00
[PREFERRED]                                         00
[COMMON]                                         2,566
[OTHER-SE]                                       4,358
[TOTAL-LIABILITIES-AND-EQUITY]                 102,661
[INTEREST-LOAN]                                  4,508
[INTEREST-INVEST]                                  842
[INTEREST-OTHER]                                   514
[INTEREST-TOTAL]                                 5,864
[INTEREST-DEPOSIT]                               2,821
[INTEREST-EXPENSE]                               2,825
[INTEREST-INCOME-NET]                            3,039
[LOAN-LOSSES]                                      148
[SECURITIES-GAINS]                                  00
[EXPENSE-OTHER]                                  2,128
[INCOME-PRETAX]                                  1,161
[INCOME-PRE-EXTRAORDINARY]                         722
[EXTRAORDINARY]                                     00
[CHANGES]                                           00
[NET-INCOME]                                       722
[EPS-PRIMARY]                                     1.43
[EPS-DILUTED]                                     1.43
[YIELD-ACTUAL]                                    3.68
[LOANS-NON]                                          0
[LOANS-PAST]                                         0
[LOANS-TROUBLED]                                     0
[LOANS-PROBLEM]                                      0
[ALLOWANCE-OPEN]                                   587
[CHARGE-OFFS]                                      194
[RECOVERIES]                                        35
[ALLOWANCE-CLOSE]                                  576
[ALLOWANCE-DOMESTIC]                               576
[ALLOWANCE-FOREIGN]                                  0
[ALLOWANCE-UNALLOCATED]                             75
</TABLE>

<TABLE> <S> <C>

<ARTICLE> 9
       
<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-30-1998
<PERIOD-END>                               SEP-30-1998
<CASH>                                           2,103
<INT-BEARING-DEPOSITS>                              00
<FED-FUNDS-SOLD>                                13,040
<TRADING-ASSETS>                                    00
<INVESTMENTS-HELD-FOR-SALE>                     25,165
<INVESTMENTS-CARRYING>                              00
<INVESTMENTS-MARKET>                                00
<LOANS>                                         59,315
<ALLOWANCE>                                        576
<TOTAL-ASSETS>                                 102,661
<DEPOSITS>                                      93,768
<SHORT-TERM>                                        00
<LIABILITIES-OTHER>                                170
<LONG-TERM>                                         00
                               00
                                         00
<COMMON>                                         2,566
<OTHER-SE>                                       4,358
<TOTAL-LIABILITIES-AND-EQUITY>                 102,661
<INTEREST-LOAN>                                  4,508
<INTEREST-INVEST>                                  842
<INTEREST-OTHER>                                   514
<INTEREST-TOTAL>                                 5,864
<INTEREST-DEPOSIT>                               2,821
<INTEREST-EXPENSE>                               2,825
<INTEREST-INCOME-NET>                            3,039
<LOAN-LOSSES>                                      148
<SECURITIES-GAINS>                                  00
<EXPENSE-OTHER>                                  2,128
<INCOME-PRETAX>                                  1,161
<INCOME-PRE-EXTRAORDINARY>                         722
<EXTRAORDINARY>                                     00
<CHANGES>                                           00
<NET-INCOME>                                       722
<EPS-PRIMARY>                                     1.43
<EPS-DILUTED>                                     1.43
<YIELD-ACTUAL>                                    3.68
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   587
<CHARGE-OFFS>                                      194
<RECOVERIES>                                        35
<ALLOWANCE-CLOSE>                                  576
<ALLOWANCE-DOMESTIC>                               576
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                             75
        

</TABLE>



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