<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM (A) THE
REGISTRANT'S INTERIM FINANCIAL STATEMENTS FOR FISCAL PERIOD ENDED 6-30-97 AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH (B) FINANCIAL STATEMENTS
</LEGEND>
       
<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               JUN-30-1997
<CASH>                                       8,245,867
<INT-BEARING-DEPOSITS>                         101,760
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 39,253,593
<INVESTMENTS-CARRYING>                      22,488,632
<INVESTMENTS-MARKET>                        22,555,998
<LOANS>                                     80,138,202
<ALLOWANCE>                                  1,308,078
<TOTAL-ASSETS>                             153,265,389
<DEPOSITS>                                 128,484,520
<SHORT-TERM>                                 1,332,229
<LIABILITIES-OTHER>                          1,959,844
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         5,482
<OTHER-SE>                                  13,933,723
<TOTAL-LIABILITIES-AND-EQUITY>             153,265,389
<INTEREST-LOAN>                              3,902,119
<INTEREST-INVEST>                            1,837,888
<INTEREST-OTHER>                               158,052
<INTEREST-TOTAL>                             5,898,059
<INTEREST-DEPOSIT>                           2,382,514
<INTEREST-EXPENSE>                             215,101
<INTEREST-INCOME-NET>                        3,300,444
<LOAN-LOSSES>                                  120,000
<SECURITIES-GAINS>                            (10,321)
<EXPENSE-OTHER>                              2,727,555
<INCOME-PRETAX>                              1,274,928
<INCOME-PRE-EXTRAORDINARY>                   1,274,928
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   879,468
<EPS-PRIMARY>                                     1.70
<EPS-DILUTED>                                     1.70
<YIELD-ACTUAL>                                    8.44
<LOANS-NON>                                    253,556
<LOANS-PAST>                                        23
<LOANS-TROUBLED>                                    16
<LOANS-PROBLEM>                                      0<F1>
<ALLOWANCE-OPEN>                             1,243,457
<CHARGE-OFFS>                                   72,534
<RECOVERIES>                                    17,154
<ALLOWANCE-CLOSE>                            1,308,077
<ALLOWANCE-DOMESTIC>                         1,308,077
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
<FN>
<F1>FINANCIAL INFORMATION NOT CONTAINED IN FINANCIAL STATEMENTS PLEASE SEE 10K OF
OF REGISTRANT
</FN>
        

</TABLE>