<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               SEP-30-1998
<CASH>                                       1,041,630
<INT-BEARING-DEPOSITS>                          81,875
<FED-FUNDS-SOLD>                             3,545,757
<TRADING-ASSETS>                                     0
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<ALLOWANCE>                                  (409,241)
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<DEPOSITS>                                  39,250,583
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                          6,548,944
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<COMMON>                                             0
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<INTEREST-TOTAL>                             2,951,065
<INTEREST-DEPOSIT>                           1,663,437
<INTEREST-EXPENSE>                           1,791,727
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<LOAN-LOSSES>                                   95,933
<SECURITIES-GAINS>                              86,038
<EXPENSE-OTHER>                              4,984,673
<INCOME-PRETAX>                               (84,890)
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<LOANS-NON>                                          0
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<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                         10,133