<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
REGISTRANT'S INTERIM FINANCIAL STATEMENTS FOR FISCAL PERIOD ENDED MARCH 31, 1997
AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               MAR-31-1997
<CASH>                                       7,577,641
<INT-BEARING-DEPOSITS>                         102,132
<FED-FUNDS-SOLD>                             6,030,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 37,758,781
<INVESTMENTS-CARRYING>                      22,218,720
<INVESTMENTS-MARKET>                        21,821,950
<LOANS>                                     76,582,210
<ALLOWANCE>                                  1,294,430
<TOTAL-ASSETS>                             152,310,942
<DEPOSITS>                                 127,872,807
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                          1,765,427
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         5,482
<OTHER-SE>                                  13,554,464
<TOTAL-LIABILITIES-AND-EQUITY>             152,310,942
<INTEREST-LOAN>                              1,887,734
<INTEREST-INVEST>                              889,762
<INTEREST-OTHER>                               103,336
<INTEREST-TOTAL>                             2,880,832
<INTEREST-DEPOSIT>                           1,174,524
<INTEREST-EXPENSE>                             100,835
<INTEREST-INCOME-NET>                        1,605,473
<LOAN-LOSSES>                                   60,000
<SECURITIES-GAINS>                             (6,586)
<EXPENSE-OTHER>                              1,327,521
<INCOME-PRETAX>                                662,614
<INCOME-PRE-EXTRAORDINARY>                     662,614
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   461,974
<EPS-PRIMARY>                                      .89
<EPS-DILUTED>                                      .89
<YIELD-ACTUAL>                                    8.34
<LOANS-NON>                                    251,884
<LOANS-PAST>                                    21,000
<LOANS-TROUBLED>                                17,000
<LOANS-PROBLEM>                                      0<F1>
<ALLOWANCE-OPEN>                             1,243,457
<CHARGE-OFFS>                                   19,368
<RECOVERIES>                                    10,340
<ALLOWANCE-CLOSE>                            1,294,430
<ALLOWANCE-DOMESTIC>                         1,294,430
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
<FN>
<F1>INFORMATION NOT CONTAINED IN FINANCIAL STATEMENTS.
</FN>
        

</TABLE>