<TABLE> <S> <C>

<ARTICLE> 9
<MULTIPLIER> 1
       
<S>                                                <C>
<PERIOD-TYPE>                                      3-MOS
<FISCAL-YEAR-END>                                          DEC-31-1997
<PERIOD-START>                                             JAN-01-1997
<PERIOD-END>                                               MAR-31-1997
<CASH>                                                      11,860,846
<INT-BEARING-DEPOSITS>                                       4,084,212
<FED-FUNDS-SOLD>                                             4,155,000
<TRADING-ASSETS>                                                     0
<INVESTMENTS-HELD-FOR-SALE>                                 55,833,087

<INVESTMENTS-CARRYING>                                               0
<INVESTMENTS-MARKET>                                                 0
<LOANS>                                                    204,524,199
<ALLOWANCE>                                                  2,612,517
<TOTAL-ASSETS>                                             294,110,127
<DEPOSITS>                                                 247,246,751
<SHORT-TERM>                                                         0
<LIABILITIES-OTHER>                                          2,247,209
<LONG-TERM>                                                 16,705,249
<COMMON>                                                     1,263,745
<PREFERRED-MANDATORY>                                                0
<PREFERRED>                                                          0
<OTHER-SE>                                                  26,647,173
<TOTAL-LIABILITIES-AND-EQUITY>                             294,110,127
<INTEREST-LOAN>                                              4,822,889
<INTEREST-INVEST>                                              909,921
<INTEREST-OTHER>                                               125,799
<INTEREST-TOTAL>                                             5,858,609
<INTEREST-DEPOSIT>                                           2,504,829
<INTEREST-EXPENSE>                                           2,791,302
<INTEREST-INCOME-NET>                                        3,067,307
<LOAN-LOSSES>                                                   97,000
<SECURITIES-GAINS>                                               (307)
<EXPENSE-OTHER>                                              2,081,766
<INCOME-PRETAX>                                              1,531,383
<INCOME-PRE-EXTRAORDINARY>                                   1,018,634
<EXTRAORDINARY>                                                      0
<CHANGES>                                                            0
<NET-INCOME>                                                 1,018,634
<EPS-PRIMARY>                                                      .36
<EPS-DILUTED>                                                      .36
<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>