<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               SEP-30-1998
<CASH>                                       1,065,153
<INT-BEARING-DEPOSITS>                       2,011,282
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 63,723,233
<INVESTMENTS-CARRYING>                       2,421,697
<INVESTMENTS-MARKET>                         2,448,887
<LOANS>                                    131,438,104
<ALLOWANCE>                                  1,485,536
<TOTAL-ASSETS>                             209,063,130
<DEPOSITS>                                 145,450,569
<SHORT-TERM>                                27,144,913
<LIABILITIES-OTHER>                            875,413
<LONG-TERM>                                 15,026,078
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         7,938
<OTHER-SE>                                  20,853,042
<TOTAL-LIABILITIES-AND-EQUITY>             109,063,130
<INTEREST-LOAN>                              8,598,048
<INTEREST-INVEST>                            2,918,117
<INTEREST-OTHER>                               111,665
<INTEREST-TOTAL>                            11,627,830
<INTEREST-DEPOSIT>                           4,259,888
<INTEREST-EXPENSE>                           1,327,521
<INTEREST-INCOME-NET>                        6,040,421
<LOAN-LOSSES>                                  180,000
<SECURITIES-GAINS>                               (391)
<EXPENSE-OTHER>                              3,999,411
<INCOME-PRETAX>                              3,018,630
<INCOME-PRE-EXTRAORDINARY>                   3,018,630
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 1,885,866
<EPS-PRIMARY>                                     2.37
<EPS-DILUTED>                                     2.22
<YIELD-ACTUAL>                                    4.00
<LOANS-NON>                                    360,964
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             1,370,466
<CHARGE-OFFS>                                    4,930
<RECOVERIES>                                       101
<ALLOWANCE-CLOSE>                            1,485,536
<ALLOWANCE-DOMESTIC>                         1,485,536
<ALLOWANCE-FOREIGN>                                  0
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