<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
REGISTRANT'S INTERIM FINANCIAL STATEMENTS FOR FISCAL PERIOD ENDED 9-30-97 AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               SEP-30-1997
<CASH>                                       7,259,696
<INT-BEARING-DEPOSITS>                         101,322
<FED-FUNDS-SOLD>                             2,810,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 38,987,302
<INVESTMENTS-CARRYING>                      22,975,358
<INVESTMENTS-MARKET>                        23,103,435
<LOANS>                                     85,582,002
<ALLOWANCE>                                  1,404,618
<TOTAL-ASSETS>                             159,977,755
<DEPOSITS>                                 130,667,062
<SHORT-TERM>                                   988,154
<LIABILITIES-OTHER>                          1,848,593
<LONG-TERM>                                  2,755,950
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         5,482
<OTHER-SE>                                  14,412,183
<TOTAL-LIABILITIES-AND-EQUITY>             159,977,755
<INTEREST-LOAN>                              6,100,755
<INTEREST-INVEST>                            2,787,150
<INTEREST-OTHER>                               202,206
<INTEREST-TOTAL>                             9,090,111
<INTEREST-DEPOSIT>                           3,673,855
<INTEREST-EXPENSE>                             359,907
<INTEREST-INCOME-NET>                        5,056,349
<LOAN-LOSSES>                                  280,000
<SECURITIES-GAINS>                            (16,883)
<EXPENSE-OTHER>                              4,136,637
<INCOME-PRETAX>                              1,818,547
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 1,253,606
<EPS-PRIMARY>                                     2.43
<EPS-DILUTED>                                     2.43
<YIELD-ACTUAL>                                    8.48
<LOANS-NON>                                    298,000
<LOANS-PAST>                                    18,000
<LOANS-TROUBLED>                                    30
<LOANS-PROBLEM>                                      0<F1>
<ALLOWANCE-OPEN>                             1,243,457
<CHARGE-OFFS>                                  150,083
<RECOVERIES>                                    31,243
<ALLOWANCE-CLOSE>                            1,404,618
<ALLOWANCE-DOMESTIC>                         1,404,618
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
<FN>
<F1>FINANCIAL INFORMATION NOT CONTAINED IN FINANCIAL STATEMENTS PLEASE SEE 10K OF
REGISTRANT.
</FN>
        

</TABLE>