<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
This  schedule  contains  summary  financial   information  extracted  from  the
Consolidated  Balance Sheet at December 31, 1997 and the Consolidated  Statement
of  Operations  for the Year Ended  December  31, 1997 and is  qualified  in its
entirety by reference to such financial statements.
</LEGEND>
<MULTIPLIER>                    1

<S>                                            <C>
<PERIOD-TYPE>                                   YEAR
<FISCAL-YEAR-END>                                              DEC-31-1997
<PERIOD-END>                                                   DEC-31-1997
<CASH>                                                           9,332,658
<INT-BEARING-DEPOSITS>                                                   0
<FED-FUNDS-SOLD>                                                 6,820,000
<TRADING-ASSETS>                                                         0
<INVESTMENTS-HELD-FOR-SALE>                                     24,527,758
<INVESTMENTS-CARRYING>                                          18,498,356
<INVESTMENTS-MARKET>                                            18,558,395
<LOANS>                                                        144,476,489
<ALLOWANCE>                                                      1,805,860
<TOTAL-ASSETS>                                                 205,571,538
<DEPOSITS>                                                     182,672,659
<SHORT-TERM>                                                     4,426,280
<LIABILITIES-OTHER>                                              1,267,860
<LONG-TERM>                                                      1,189,167
<PREFERRED-MANDATORY>                                                    0
<PREFERRED>                                                              0
<COMMON>                                                        13,699,539
<OTHER-SE>                                                       2,316,033
<TOTAL-LIABILITIES-AND-EQUITY>                                 205,571,538
<INTEREST-LOAN>                                                 11,945,201
<INTEREST-INVEST>                                                2,520,380
<INTEREST-OTHER>                                                   127,606
<INTEREST-TOTAL>                                                14,593,187
<INTEREST-DEPOSIT>                                               6,263,216
<INTEREST-EXPENSE>                                               6,580,494
<INTEREST-INCOME-NET>                                            8,012,693
<LOAN-LOSSES>                                                      334,000
<SECURITIES-GAINS>                                                       0
<EXPENSE-OTHER>                                                  6,059,161
<INCOME-PRETAX>                                                  3,614,647
<INCOME-PRE-EXTRAORDINARY>                                       2,254,223
<EXTRAORDINARY>                                                          0
<CHANGES>                                                                0
<NET-INCOME>                                                     2,254,223
<EPS-PRIMARY>                                                          .98
<EPS-DILUTED>                                                          .91
<YIELD-ACTUAL>                                                        4.66
<LOANS-NON>                                                         87,989
<LOANS-PAST>                                                        77,673
<LOANS-TROUBLED>                                                         0
<LOANS-PROBLEM>                                                          0
<ALLOWANCE-OPEN>                                                 1,802,402
<CHARGE-OFFS>                                                      355,739
<RECOVERIES>                                                        25,197
<ALLOWANCE-CLOSE>                                                1,805,860
<ALLOWANCE-DOMESTIC>                                             1,652,329
<ALLOWANCE-FOREIGN>                                                      0
<ALLOWANCE-UNALLOCATED>                                            153,531


</TABLE>