<TABLE> <S> <C>

<ARTICLE> 9
<MULTIPLIER> 1
       
<S>                                                    <C>
<PERIOD-TYPE>                                          9-MOS
<FISCAL-YEAR-END>                                          DEC-31-1997
<PERIOD-START>                                             JAN-01-1997
<PERIOD-END>                                               SEP-30-1997
<CASH>                                                      13,183,108
<INT-BEARING-DEPOSITS>                                       2,238,732
<FED-FUNDS-SOLD>                                             3,940,000
<TRADING-ASSETS>                                                     0
<INVESTMENTS-HELD-FOR-SALE>                                 53,232,990
<INVESTMENTS-CARRYING>                                               0
<INVESTMENTS-MARKET>                                                 0
<LOANS>                                                    220,887,976
<ALLOWANCE>                                                  2,782,282
<TOTAL-ASSETS>                                             307,984,896
<DEPOSITS>                                                 250,810,196
<SHORT-TERM>                                                         0
<LIABILITIES-OTHER>                                          2,470,409
<LONG-TERM>                                                 24,826,083
<COMMON>                                                     1,263,745
<PREFERRED-MANDATORY>                                                0
<PREFERRED>                                                          0
<OTHER-SE>                                                  28,614,463
<TOTAL-LIABILITIES-AND-EQUITY>                             307,984,896
<INTEREST-LOAN>                                             15,310,633
<INTEREST-INVEST>                                            2,633,810
<INTEREST-OTHER>                                               363,654
<INTEREST-TOTAL>                                            18,308,097
<INTEREST-DEPOSIT>                                           7,721,272
<INTEREST-EXPENSE>                                           8,653,025
<INTEREST-INCOME-NET>                                        9,655,072
<LOAN-LOSSES>                                                  377,800
<SECURITIES-GAINS>                                            (18,755)
<EXPENSE-OTHER>                                              6,545,331
<INCOME-PRETAX>                                              4,795,072
<INCOME-PRE-EXTRAORDINARY>                                   3,133,544
<EXTRAORDINARY>                                                      0
<CHANGES>                                                            0
<NET-INCOME>                                                 3,133,544
<EPS-PRIMARY>                                                     1.10
<EPS-DILUTED>                                                     1.10
<YIELD-ACTUAL>                                                       0
<LOANS-NON>                                                          0
<LOANS-PAST>                                                         0
<LOANS-TROUBLED>                                                     0
<LOANS-PROBLEM>                                                      0
<ALLOWANCE-OPEN>                                                     0
<CHARGE-OFFS>                                                        0
<RECOVERIES>                                                         0
<ALLOWANCE-CLOSE>                                                    0
<ALLOWANCE-DOMESTIC>                                                 0
<ALLOWANCE-FOREIGN>                                                  0
<ALLOWANCE-UNALLOCATED>                                              0
        

</TABLE>