<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               SEP-30-1998
<CASH>                                       8,597,985
<INT-BEARING-DEPOSITS>                       6,435,907
<FED-FUNDS-SOLD>                                     0
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<ALLOWANCE>                                    399,445
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<DEPOSITS>                                  72,767,893
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                          1,206,955
<LONG-TERM>                                  1,206,955
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<INTEREST-LOAN>                              3,975,724
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<INTEREST-TOTAL>                             5,180,882
<INTEREST-DEPOSIT>                           2,687,671
<INTEREST-EXPENSE>                           2,715,974
<INTEREST-INCOME-NET>                        2,464,908
<LOAN-LOSSES>                                   52,536
<SECURITIES-GAINS>                                   0
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<INCOME-PRETAX>                              1,053,462
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<EPS-PRIMARY>                                     .410
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<CHARGE-OFFS>                                        0
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