<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
     THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM FORM
     10-K FOR THE FISCAL YEAR ENDED DECEMBER 31, 1997 AND IS QUALIFIED IN ITS
     ENTIRTY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>

<S>                             <C>
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                              DEC-31-1997
<PERIOD-END>                                   DEC-31-1997
<CASH>                                          12,914,021
<INT-BEARING-DEPOSITS>                                   0
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                     35,125,191
<INVESTMENTS-CARRYING>                          51,755,433
<INVESTMENTS-MARKET>                                     0
<LOANS>                                        217,450,749
<ALLOWANCE>                                      2,293,495
<TOTAL-ASSETS>                                 325,655,304
<DEPOSITS>                                     280,547,574
<SHORT-TERM>                                     9,836,625
<LIABILITIES-OTHER>                              3,369,747
<LONG-TERM>                                              0
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                         4,549,563
<OTHER-SE>                                      27,351,795
<TOTAL-LIABILITIES-AND-EQUITY>                 325,655,304
<INTEREST-LOAN>                                 18,787,063
<INTEREST-INVEST>                                5,564,728
<INTEREST-OTHER>                                   154,917
<INTEREST-TOTAL>                                24,506,708
<INTEREST-DEPOSIT>                              10,268,235
<INTEREST-EXPENSE>                              10,575,486
<INTEREST-INCOME-NET>                           13,931,222
<LOAN-LOSSES>                                      600,000
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                 10,288,699
<INCOME-PRETAX>                                  5,917,554
<INCOME-PRE-EXTRAORDINARY>                       5,917,554
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                     4,099,769
<EPS-PRIMARY>                                         1.13
<EPS-DILUTED>                                         1.11
<YIELD-ACTUAL>                                        4.70
<LOANS-NON>                                         51,000
<LOANS-PAST>                                       167,000
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                 1,986,000
<CHARGE-OFFS>                                      457,000
<RECOVERIES>                                       165,000
<ALLOWANCE-CLOSE>                                2,294,000
<ALLOWANCE-DOMESTIC>                             2,054,000
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                            240,000



</TABLE>