<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               SEP-30-1998
<CASH>                                       1,516,158
<INT-BEARING-DEPOSITS>                               0
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<LOANS>                                     57,791,924
<ALLOWANCE>                                  (275,837)
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<DEPOSITS>                                  56,187,711
<SHORT-TERM>                                 1,000,000
<LIABILITIES-OTHER>                          1,290,486
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<PREFERRED-MANDATORY>                                0
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<COMMON>                                         2,643
<OTHER-SE>                                   6,369,643
<TOTAL-LIABILITIES-AND-EQUITY>              73,027,419
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<INTEREST-OTHER>                                     0
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<INTEREST-DEPOSIT>                           1,805,423
<INTEREST-EXPENSE>                             449,470
<INTEREST-INCOME-NET>                        1,753,516
<LOAN-LOSSES>                                   43,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              1,522,409
<INCOME-PRETAX>                                467,095
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<EPS-PRIMARY>                                     0.39
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