<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE 
COMPANY'SCONSOLIDATED STATEMENTS OF INCOME AND CONSOLIDATED STATEMENTS OF 
FINANCIALPOSITION AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO THE 
COMPANY'S FORM 10-Q FOR THE SIX MONTHS PERIOD ENDED JUNE 30, 1998.
</LEGEND>
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               MAR-31-1998
<CASH>                                       1,037,192
<INT-BEARING-DEPOSITS>                          27,015
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                               130,912
<INVESTMENTS-HELD-FOR-SALE>                 16,247,250
<INVESTMENTS-CARRYING>                      12,492,556
<INVESTMENTS-MARKET>                        12,612,245
<LOANS>                                     69,475,130
<ALLOWANCE>                                    673,172
<TOTAL-ASSETS>                             103,123,908
<DEPOSITS>                                  51,313,052
<SHORT-TERM>                                19,455,888
<LIABILITIES-OTHER>                          3,377,418
<LONG-TERM>                                 23,540,551
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                     49,250
<COMMON>                                     1,957,522
<OTHER-SE>                                   3,430,197
<TOTAL-LIABILITIES-AND-EQUITY>             103,123,908
<INTEREST-LOAN>                              1,357,305
<INTEREST-INVEST>                              440,498
<INTEREST-OTHER>                                28,849
<INTEREST-TOTAL>                             1,826,652
<INTEREST-DEPOSIT>                             515,901
<INTEREST-EXPENSE>                           1,113,779
<INTEREST-INCOME-NET>                          712,873
<LOAN-LOSSES>                                   45,343
<SECURITIES-GAINS>                               3,415
<EXPENSE-OTHER>                                442,218
<INCOME-PRETAX>                                419,141
<INCOME-PRE-EXTRAORDINARY>                     256,471
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   256,471
<EPS-PRIMARY>                                     0.68<F1>
<EPS-DILUTED>                                     0.68<F1>
<YIELD-ACTUAL>                                    2.92
<LOANS-NON>                                    604,034
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                               138,396
<LOANS-PROBLEM>                                591,472
<ALLOWANCE-OPEN>                               670,494
<CHARGE-OFFS>                                   48,544
<RECOVERIES>                                     5,879
<ALLOWANCE-CLOSE>                              673,172
<ALLOWANCE-DOMESTIC>                            41,839
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        585,585
<FN>
<F1>On April 20, 1998, The Company's Board of Directors declared a 3-for-2 stock
split in the form of a 50% stock dividend which was paid on June 1, 1998 to
shareholders of record as of May 21, 1998. All earnings per share figures
presented for 1998 have been adjusted for this split.

FOR PURPOSES OF THIS EXHIBIT, PRIMARY MEANS BASIC.
</FN>