<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               SEP-30-1998
<CASH>                                       8,509,909
<INT-BEARING-DEPOSITS>                         100,030
<FED-FUNDS-SOLD>                            34,800,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 37,452,143
<INVESTMENTS-CARRYING>                      36,853,054
<INVESTMENTS-MARKET>                        37,260,670
<LOANS>                                    286,901,694
<ALLOWANCE>                                 10,823,299
<TOTAL-ASSETS>                             409,456,787
<DEPOSITS>                                 270,206,678
<SHORT-TERM>                                   698,000
<LIABILITIES-OTHER>                         14,035,360
<LONG-TERM>                                 30,365,000
<PREFERRED-MANDATORY>                                0
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<OTHER-SE>                                  78,680,703
<TOTAL-LIABILITIES-AND-EQUITY>             409,456,787
<INTEREST-LOAN>                             25,170,358
<INTEREST-INVEST>                            5,109,824
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                            30,280,182
<INTEREST-DEPOSIT>                           8,479,894
<INTEREST-EXPENSE>                           9,976,712
<INTEREST-INCOME-NET>                       20,303,470
<LOAN-LOSSES>                                2,400,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              9,831,618
<INCOME-PRETAX>                             11,345,671
<INCOME-PRE-EXTRAORDINARY>                           0
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<EPS-PRIMARY>                                      .92
<EPS-DILUTED>                                      .89
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<LOANS-NON>                                  6,024,582
<LOANS-PAST>                                         0
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<LOANS-PROBLEM>                              2,607,090
<ALLOWANCE-OPEN>                             8,186,237
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<ALLOWANCE-FOREIGN>                                  0
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