<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
REGISTRANT'S INTERIM FINANCIAL STATEMENTS FOR FISCAL PERIOD 9/30/98 AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               SEP-30-1998
<CASH>                                       9,928,615
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 57,410,864
<INVESTMENTS-CARRYING>                      20,936,619
<INVESTMENTS-MARKET>                        20,346,744
<LOANS>                                     93,057,111
<ALLOWANCE>                                  1,404,940
<TOTAL-ASSETS>                             183,924,207
<DEPOSITS>                                 149,716,280
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                          1,705,593
<LONG-TERM>                                  6,567,305
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         5,482
<OTHER-SE>                                  15,866,956
<TOTAL-LIABILITIES-AND-EQUITY>             183,924,207
<INTEREST-LOAN>                              6,980,329
<INTEREST-INVEST>                            3,239,901
<INTEREST-OTHER>                               297,074
<INTEREST-TOTAL>                            10,517,304
<INTEREST-DEPOSIT>                           4,500,882
<INTEREST-EXPENSE>                             565,814
<INTEREST-INCOME-NET>                        5,450,608
<LOAN-LOSSES>                                  180,000
<SECURITIES-GAINS>                              65,355
<EXPENSE-OTHER>                              4,571,573
<INCOME-PRETAX>                              1,763,711
<INCOME-PRE-EXTRAORDINARY>                   1,763,711
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 1,285,789
<EPS-PRIMARY>                                     2.49
<EPS-DILUTED>                                     2.49
<YIELD-ACTUAL>                                    8.22
<LOANS-NON>                                    336,966
<LOANS-PAST>                                    27,000
<LOANS-TROUBLED>                                39,000
<LOANS-PROBLEM>                                      0<F1>
<ALLOWANCE-OPEN>                             1,443,135
<CHARGE-OFFS>                                  251,514
<RECOVERIES>                                    33,319
<ALLOWANCE-CLOSE>                            1,404,940
<ALLOWANCE-DOMESTIC>                         1,404,940
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
<FN>
<F1>INFORMATION NOT CONTAINED IN FINANCIAL STATEMENTS
</FN>
        

</TABLE>