<TABLE> <S> <C>

   <ARTICLE> 9
   <MULTIPLIER> 1
          
   <S>                                                       <C>
   <PERIOD-TYPE>                                                          9-MOS
   <FISCAL-YEAR-END>                                                DEC-31-1998
   <PERIOD-START>                                                   JAN-01-1998
   <PERIOD-END>                                                     SEP-30-1998
   <CASH>                                                            21,972,902
   <INT-BEARING-DEPOSITS>                                             2,076,756
   <FED-FUNDS-SOLD>                                                  12,710,000
   <TRADING-ASSETS>                                                           0
   <INVESTMENTS-HELD-FOR-SALE>                                       62,881,036
   <INVESTMENTS-CARRYING>                                                     0
   <INVESTMENTS-MARKET>                                                       0
   <LOANS>                                                          304,994,104
   <ALLOWANCE>                                                        3,736,116
   <TOTAL-ASSETS>                                                   425,092,653
   <DEPOSITS>                                                       335,491,593
   <SHORT-TERM>                                                       7,234,630
   <LIABILITIES-OTHER>                                                2,479,000
   <LONG-TERM>                                                       37,177,447
   <COMMON>                                                           1,217,065
   <PREFERRED-MANDATORY>                                                      0
   <PREFERRED>                                                                0
   <OTHER-SE>                                                        41,492,918
   <TOTAL-LIABILITIES-AND-EQUITY>                                   425,092,653
   <INTEREST-LOAN>                                                   21,052,501
   <INTEREST-INVEST>                                                  3,245,724
   <INTEREST-OTHER>                                                   1,184,554
   <INTEREST-TOTAL>                                                  25,482,779
   <INTEREST-DEPOSIT>                                                10,302,575
   <INTEREST-EXPENSE>                                                12,187,544
   <INTEREST-INCOME-NET>                                             13,295,235
   <LOAN-LOSSES>                                                        598,159
   <SECURITIES-GAINS>                                                    23,201
   <EXPENSE-OTHER>                                                    9,441,113
   <INCOME-PRETAX>                                                    6,842,348
   <INCOME-PRE-EXTRAORDINARY>                                         4,509,499
   <EXTRAORDINARY>                                                            0
   <CHANGES>                                                                  0
   <NET-INCOME>                                                       4,509,499
   <EPS-PRIMARY>                                                            .61
   <EPS-DILUTED>                                                            .60
   <YIELD-ACTUAL>                                                             0
   <LOANS-NON>                                                                0
   <LOANS-PAST>                                                               0
   <LOANS-TROUBLED>                                                           0
   <LOANS-PROBLEM>                                                            0
   <ALLOWANCE-OPEN>                                                           0
   <CHARGE-OFFS>                                                              0
   <RECOVERIES>                                                               0
   <ALLOWANCE-CLOSE>                                                          0
   <ALLOWANCE-DOMESTIC>                                                       0
   <ALLOWANCE-FOREIGN>                                                        0
   <ALLOWANCE-UNALLOCATED>                                                    0
           
   
</TABLE>