<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               SEP-30-1998
<CASH>                                      7,333,531
<INT-BEARING-DEPOSITS>                      9,816,259
<FED-FUNDS-SOLD>                                    0
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<INVESTMENTS-HELD-FOR-SALE>                30,141,100
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<LIABILITIES-OTHER>                        13,383,594
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<COMMON>                                   63,838,049
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<INTEREST-TOTAL>                           15,686,428
<INTEREST-DEPOSIT>                          6,245,586
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<INTEREST-INCOME-NET>                       6,505,664
<LOAN-LOSSES>                                  97,500
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<EPS-PRIMARY>                                    0.35
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<ALLOWANCE-FOREIGN>                                 0
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