<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND> 
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
COMPANY'S CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED DECEMBER 31,
1997, AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS
INCLUDED AS PART OF EXHIBIT 13 TO THIS FORM 10-KSB.
</LEGEND>
       
<S>                             <C>
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               DEC-31-1997
<CASH>                                       3,075,396
<INT-BEARING-DEPOSITS>                         124,003
<FED-FUNDS-SOLD>                            11,970,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    535,451
<INVESTMENTS-CARRYING>                       5,514,009
<INVESTMENTS-MARKET>                         5,791,094
<LOANS>                                     28,671,310
<ALLOWANCE>                                    273,405
<TOTAL-ASSETS>                              51,058,542
<DEPOSITS>                                  44,554,429
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                            460,057
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     4,202,908
<OTHER-SE>                                   1,841,148
<TOTAL-LIABILITIES-AND-EQUITY>              51,058,542
<INTEREST-LOAN>                              3,036,348
<INTEREST-INVEST>                              376,179
<INTEREST-OTHER>                               208,552
<INTEREST-TOTAL>                             3,621,079
<INTEREST-DEPOSIT>                           1,300,994
<INTEREST-EXPENSE>                           1,300,994
<INTEREST-INCOME-NET>                        2,320,085
<LOAN-LOSSES>                                  154,000
<SECURITIES-GAINS>                              13,878
<EXPENSE-OTHER>                              1,357,913
<INCOME-PRETAX>                              1,438,093
<INCOME-PRE-EXTRAORDINARY>                   1,438,093
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 1,025,330
<EPS-PRIMARY>                                     2.58
<EPS-DILUTED>                                     2.35
<YIELD-ACTUAL>                                    6.16
<LOANS-NON>                                     41,064
<LOANS-PAST>                                    12,883
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                413,352
<ALLOWANCE-OPEN>                               213,969
<CHARGE-OFFS>                                  134,958
<RECOVERIES>                                    40,394
<ALLOWANCE-CLOSE>                              273,406
<ALLOWANCE-DOMESTIC>                           273,406
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>