<TABLE> <S> <C>

<ARTICLE> 9
       
<S>                                         <C>
<PERIOD-TYPE>                               9-MOS
<FISCAL-YEAR-END>                           DEC-31-1998
<PERIOD-END>                                SEP-30-1998
<CASH>                                                       3704224
<INT-BEARING-DEPOSITS>                                     156958989
<FED-FUNDS-SOLD>                                            14428137
<TRADING-ASSETS>                                                   0
<INVESTMENTS-HELD-FOR-SALE>                                 57346425
<INVESTMENTS-CARRYING>                                      57346425
<INVESTMENTS-MARKET>                                        58644697
<LOANS>                                                    111875492
<ALLOWANCE>                                                  (983630)
<TOTAL-ASSETS>                                             198166477
<DEPOSITS>                                                 177903652
<SHORT-TERM>                                                  438605
<LIABILITIES-OTHER>                                           995026
<LONG-TERM>                                                        0
<PREFERRED-MANDATORY>                                              0
<PREFERRED>                                                        0
<COMMON>                                                     5804505
<OTHER-SE>                                                  13163594
<TOTAL-LIABILITIES-AND-EQUITY>                             198166477
<INTEREST-LOAN>                                              7092119
<INTEREST-INVEST>                                            2350673
<INTEREST-OTHER>                                              631519
<INTEREST-TOTAL>                                            10074311
<INTEREST-DEPOSIT>                                           5326921
<INTEREST-EXPENSE>                                                 0
<INTEREST-INCOME-NET>                                        4741064
<LOAN-LOSSES>                                                 148367
<SECURITIES-GAINS>                                            101274
<EXPENSE-OTHER>                                              4104632
<INCOME-PRETAX>                                              1675756
<INCOME-PRE-EXTRAORDINARY>                                   1675756
<EXTRAORDINARY>                                                    0
<CHANGES>                                                          0
<NET-INCOME>                                                 1407948
<EPS-PRIMARY>                                                   1.21
<EPS-DILUTED>                                                   1.21
<YIELD-ACTUAL>                                                  3.41
<LOANS-NON>                                                    96442
<LOANS-PAST>                                                  896888
<LOANS-TROUBLED>                                                   0
<LOANS-PROBLEM>                                                    0
<ALLOWANCE-OPEN>                                              860709
<CHARGE-OFFS>                                                  43731
<RECOVERIES>                                                   18304
<ALLOWANCE-CLOSE>                                             983630
<ALLOWANCE-DOMESTIC>                                          983630
<ALLOWANCE-FOREIGN>                                                0
<ALLOWANCE-UNALLOCATED>                                            0
        

</TABLE>