<TABLE> <S> <C>

<ARTICLE>                                                          9
                                  
<MULTIPLIER>                                                       1
                         
<S>                                                        <C> 
<PERIOD-TYPE>                                                     Year
<FISCAL-YEAR-END>                                          DEC-31-1997
<PERIOD-START>                                             JAN-01-1997
<PERIOD-END>                                               DEC-31-1997
<CASH>                                                       4,891,336
<INT-BEARING-DEPOSITS>                                          32,864
<FED-FUNDS-SOLD>                                                34,000
<TRADING-ASSETS>                                                     0
<INVESTMENTS-HELD-FOR-SALE>                                  6,499,422
<INVESTMENTS-CARRYING>                                               0
<INVESTMENTS-MARKET>                                                 0
<LOANS>                                                     31,679,747
<ALLOWANCE>                                                  1,159,173
<TOTAL-ASSETS>                                              44,802,734
<DEPOSITS>                                                  39,047,999
<SHORT-TERM>                                                 1,505,000
<LIABILITIES-OTHER>                                            466,537
<LONG-TERM>                                                    500,000
<COMMON>                                                       405,710
<PREFERRED-MANDATORY>                                                0
<PREFERRED>                                                          0
<OTHER-SE>                                                   2,877,488
<TOTAL-LIABILITIES-AND-EQUITY>                              44,802,734
<INTEREST-LOAN>                                              2,697,495
<INTEREST-INVEST>                                              510,346
<INTEREST-OTHER>                                               173,785
<INTEREST-TOTAL>                                             3,381,626
<INTEREST-DEPOSIT>                                           1,506,970
<INTEREST-EXPENSE>                                           1,646,230
<INTEREST-INCOME-NET>                                        1,735,396
<LOAN-LOSSES>                                                   30,450
<SECURITIES-GAINS>                                                 900
<EXPENSE-OTHER>                                              1,609,348
<INCOME-PRETAX>                                                517,990
<INCOME-PRE-EXTRAORDINARY>                                     341,310
<EXTRAORDINARY>                                                      0
<CHANGES>                                                            0
<NET-INCOME>                                                   341,310
<EPS-PRIMARY>                                                     0.84
<EPS-DILUTED>                                                     0.84
<YIELD-ACTUAL>                                                    4.48
<LOANS-NON>                                                    801,000
<LOANS-PAST>                                                     6,000
<LOANS-TROUBLED>                                                     0
<LOANS-PROBLEM>                                                807,000
<ALLOWANCE-OPEN>                                             1,520,385
<CHARGE-OFFS>                                                  672,363
<RECOVERIES>                                                   280,701
<ALLOWANCE-CLOSE>                                            1,159,173
<ALLOWANCE-DOMESTIC>                                           985,173
<ALLOWANCE-FOREIGN>                                                  0
<ALLOWANCE-UNALLOCATED>                                        174,000

        



</TABLE>