<TABLE> <S> <C>


<ARTICLE>                                            9
       
<S>                                        <C>             <C>
<PERIOD-TYPE>                              9-MOS           9-MOS
<FISCAL-YEAR-END>                          DEC-31-1998     DEC-31-1997
<PERIOD-END>                               SEP-30-1998     SEP-30-1997
<CASH>                                       2,945,909       3,744,883
<INT-BEARING-DEPOSITS>                         157,270         132,782
<FED-FUNDS-SOLD>                             2,200,000         618,000
<TRADING-ASSETS>                                     0               0
<INVESTMENTS-HELD-FOR-SALE>                 83,535,485      61,072,605
<INVESTMENTS-CARRYING>                       9,854,181      13,345,651
<INVESTMENTS-MARKET>                         9,880,118      13,172,364
<LOANS>                                    129,953,907     102,020,867
<ALLOWANCE>                                  1,655,184       1,240,148
<TOTAL-ASSETS>                             232,557,374     184,574,767
<DEPOSITS>                                 174,405,400     140,788,887
<SHORT-TERM>                                12,655,218      29,317,118
<LIABILITIES-OTHER>                          7,861,491       3,022,365
<LONG-TERM>                                 16,500,000       1,500,000
<PREFERRED-MANDATORY>                                0               0
<PREFERRED>                                          0               0
<COMMON>                                     7,996,781       7,892,070
<OTHER-SE>                                   3,138,484       2,054,327
<TOTAL-LIABILITIES-AND-EQUITY>             232,557,374     184,574,767
<INTEREST-LOAN>                              8,022,003       6,308,320
<INTEREST-INVEST>                            3,752,093       3,392,033
<INTEREST-OTHER>                               145,982          63,227
<INTEREST-TOTAL>                            11,920,078       9,763,580
<INTEREST-DEPOSIT>                           5,490,416       4,294,753
<INTEREST-EXPENSE>                           6,568,529       5,465,753
<INTEREST-INCOME-NET>                        5,351,549       4,297,827
<LOAN-LOSSES>                                  355,000         280,000
<SECURITIES-GAINS>                              69,108          20,708
<EXPENSE-OTHER>                              3,473,582       2,765,635
<INCOME-PRETAX>                              1,756,069       1,385,937
<INCOME-PRE-EXTRAORDINARY>                   1,756,069       1,385,937
<EXTRAORDINARY>                                      0               0
<CHANGES>                                            0               0
<NET-INCOME>                                 1,180,569         945,937
<EPS-PRIMARY>                                     0.45            0.36
<EPS-DILUTED>                                     0.40            0.35
<YIELD-ACTUAL>                                    8.01            8.10
<LOANS-NON>                                  1,092,604         501,142
<LOANS-PAST>                                   132,007          12,175
<LOANS-TROUBLED>                                     0               0
<LOANS-PROBLEM>                              1,092,604         501,142
<ALLOWANCE-OPEN>                             1,360,148         960,672
<CHARGE-OFFS>                                   67,992             524
<RECOVERIES>                                     8,028               0
<ALLOWANCE-CLOSE>                            1,655,184       1,240,148
<ALLOWANCE-DOMESTIC>                         1,602,580       1,199,665
<ALLOWANCE-FOREIGN>                                  0               0
<ALLOWANCE-UNALLOCATED>                         52,604          40,483
        



</TABLE>