<TABLE> <S> <C>


<ARTICLE>                                            9
       
<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                              DEC-31-1998                                                             
<PERIOD-END>                                   SEP-30-1998                                  
<CASH>                                           3,606,025
<INT-BEARING-DEPOSITS>                                   0
<FED-FUNDS-SOLD>                                 8,630,000
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                     10,235,069
<INVESTMENTS-CARRYING>                           3,747,976 
<INVESTMENTS-MARKET>                             3,808,733
<LOANS>                                         48,185,800
<ALLOWANCE>                                        836,554
<TOTAL-ASSETS>                                  76,499,056
<DEPOSITS>                                      67,691,940
<SHORT-TERM>                                       390,000
<LIABILITIES-OTHER>                                528,341
<LONG-TERM>                                              0
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                         1,500,000
<OTHER-SE>                                       6,388,775
<TOTAL-LIABILITIES-AND-EQUITY>                  76,499,056
<INTEREST-LOAN>                                  3,236,096
<INTEREST-INVEST>                                  616,975
<INTEREST-OTHER>                                   327,189
<INTEREST-TOTAL>                                 4,180,260  
<INTEREST-DEPOSIT>                               1,922,301
<INTEREST-EXPENSE>                               1,937,219
<INTEREST-INCOME-NET>                            2,243,041
<LOAN-LOSSES>                                      170,000
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                     14,918
<INCOME-PRETAX>                                  1,074,445
<INCOME-PRE-EXTRAORDINARY>                       1,074,445
<EXTRAORDINARY>                                          0                                  
<CHANGES>                                                0
<NET-INCOME>                                       720,865 
<EPS-PRIMARY>                                         2.41
<EPS-DILUTED>                                         2.41
<YIELD-ACTUAL>                                        4.54
<LOANS-NON>                                        810,560
<LOANS-PAST>                                         4,000
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                    898,554
<ALLOWANCE-OPEN>                                   743,260
<CHARGE-OFFS>                                       89,960
<RECOVERIES>                                        13,254
<ALLOWANCE-CLOSE>                                  836,554
<ALLOWANCE-DOMESTIC>                               836,554
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                  0
        


</TABLE>