<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               SEP-30-1998
<CASH>                                       5,409,501
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                            12,695,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 13,040,945
<INVESTMENTS-CARRYING>                      57,551,513
<INVESTMENTS-MARKET>                        59,789,000
<LOANS>                                     88,776,260
<ALLOWANCE>                                  1,254,204
<TOTAL-ASSETS>                             184,281,190
<DEPOSITS>                                 151,536,681
<SHORT-TERM>                                 4,513,448
<LIABILITIES-OTHER>                          1,199,022
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                    11,447,640
<OTHER-SE>                                  15,584,399
<TOTAL-LIABILITIES-AND-EQUITY>             184,281,190
<INTEREST-LOAN>                              5,838,783
<INTEREST-INVEST>                            3,715,132
<INTEREST-OTHER>                               453,220
<INTEREST-TOTAL>                            10,007,135
<INTEREST-DEPOSIT>                           3,633,901
<INTEREST-EXPENSE>                           3,789,119
<INTEREST-INCOME-NET>                        6,218,016
<LOAN-LOSSES>                                   90,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              4,561,749
<INCOME-PRETAX>                              2,202,007
<INCOME-PRE-EXTRAORDINARY>                   1,755,259
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 1,755,259
<EPS-PRIMARY>                                      .77
<EPS-DILUTED>                                      .77
<YIELD-ACTUAL>                                    5.22
<LOANS-NON>                                    123,951
<LOANS-PAST>                                    33,375
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                              1,467,084
<ALLOWANCE-OPEN>                             1,232,464
<CHARGE-OFFS>                                  124,254
<RECOVERIES>                                    55,994
<ALLOWANCE-CLOSE>                            1,254,204
<ALLOWANCE-DOMESTIC>                           117,225
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                      1,136,979