<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               SEP-30-1998
<CASH>                                      23,246,300
<INT-BEARING-DEPOSITS>                         144,332
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<TRADING-ASSETS>                                     0
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<INVESTMENTS-MARKET>                        86,170,681
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<ALLOWANCE>                                  4,440,340
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<DEPOSITS>                                 437,129,893
<SHORT-TERM>                                23,726,254
<LIABILITIES-OTHER>                          3,151,303
<LONG-TERM>                                          0
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<COMMON>                                    11,464,913
<OTHER-SE>                                  91,362,371
<TOTAL-LIABILITIES-AND-EQUITY>             566,834,734
<INTEREST-LOAN>                             29,212,731
<INTEREST-INVEST>                            5,771,672
<INTEREST-OTHER>                               514,855
<INTEREST-TOTAL>                            35,499,258
<INTEREST-DEPOSIT>                          11,101,928
<INTEREST-EXPENSE>                          11,829,681
<INTEREST-INCOME-NET>                       23,669,577
<LOAN-LOSSES>                                4,008,330
<SECURITIES-GAINS>                                  99
<EXPENSE-OTHER>                             11,835,464
<INCOME-PRETAX>                             14,198,283
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<CHANGES>                                            0
<NET-INCOME>                                 9,571,288
<EPS-PRIMARY>                                     0.84
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