<ARTICLE>                                            9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE QUARTERLY
REPORT ON FORM 10-Q FOR THE  FISCAL  QUARTER  ENDED  SEPTEMBER  30,  1998 AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER>                                   1
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                              DEC-31-1998
<PERIOD-END>                                   SEP-30-1998
<CASH>                                         296,933
<INT-BEARING-DEPOSITS>                         8,516,483
<FED-FUNDS-SOLD>                               0
<TRADING-ASSETS>                               0
<INVESTMENTS-HELD-FOR-SALE>                    35,424,328
<INVESTMENTS-CARRYING>                         0
<INVESTMENTS-MARKET>                           0
<LOANS>                                        53,094,039
<ALLOWANCE>                                    224,353
<TOTAL-ASSETS>                                 100,176,865
<DEPOSITS>                                     51,211,485
<SHORT-TERM>                                   7,250,000
<LIABILITIES-OTHER>                            1,452,318
<LONG-TERM>                                    17,897,290
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    0
<COMMON>                                       21,821
<OTHER-SE>                                     22,343,953
<TOTAL-LIABILITIES-AND-EQUITY>                 100,176,865
<INTEREST-LOAN>                                2,906,739
<INTEREST-INVEST>                              1,825,651
<INTEREST-OTHER>                               231,188
<INTEREST-TOTAL>                               4,963,578
<INTEREST-DEPOSIT>                             1,346,121
<INTEREST-EXPENSE>                             2,194,638
<INTEREST-INCOME-NET>                          2,768,940
<LOAN-LOSSES>                                  40,000
<SECURITIES-GAINS>                             22,173
<EXPENSE-OTHER>                                1,117,203
<INCOME-PRETAX>                                1,704,744
<INCOME-PRE-EXTRAORDINARY>                     1,704,744
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   1,132,288
<EPS-PRIMARY>                                  0.61
<EPS-DILUTED>                                  0.60
<YIELD-ACTUAL>                                 4.24
<LOANS-NON>                                    724,705
<LOANS-PAST>                                   2,067,791
<LOANS-TROUBLED>                               0
<LOANS-PROBLEM>                                0
<ALLOWANCE-OPEN>                               186,000
<CHARGE-OFFS>                                  7,000
<RECOVERIES>                                   5,353
<ALLOWANCE-CLOSE>                              224,353
<ALLOWANCE-DOMESTIC>                           0
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        0