<TABLE> <S> <C>


<ARTICLE>                     9
       
<S>                                           <C>             <C>
<PERIOD-TYPE>                                12-MOS         12-MOS
<FISCAL-YEAR-END>                             DEC-31-1997    DEC-31-1996
<PERIOD-END>                                  DEC-31-1997    DEC-31-1996
<CASH>                                          4,307,164      2,124,076
<INT-BEARING-DEPOSITS>                             85,823        206,313
<FED-FUNDS-SOLD>                                        0              0
<TRADING-ASSETS>                                        0              0
<INVESTMENTS-HELD-FOR-SALE>                    62,434,137     52,899,668
<INVESTMENTS-CARRYING>                         15,169,638     13,887,606
<INVESTMENTS-MARKET>                           15,099,965     13,677,299
<LOANS>                                       108,532,674     82,909,836
<ALLOWANCE>                                     1,360,148        960,672
<TOTAL-ASSETS>                                193,523,440    153,686,788
<DEPOSITS>                                    143,603,202    118,093,242
<SHORT-TERM>                                   19,842,740     23,640,568
<LIABILITIES-OTHER>                             3,143,661      3,010,185
<LONG-TERM>                                    16,500,000              0
<PREFERRED-MANDATORY>                                   0              0
<PREFERRED>                                             0              0
<COMMON>                                        7,996,781      7,892,070
<OTHER-SE>                                      2,437,056      1,050,723
<TOTAL-LIABILITIES-AND-EQUITY>                193,523,440    153,686,788
<INTEREST-LOAN>                                 8,753,303      6,387,392
<INTEREST-INVEST>                               4,598,974      3,612,267
<INTEREST-OTHER>                                   96,415        103,458
<INTEREST-TOTAL>                               13,448,692     10,103,117
<INTEREST-DEPOSIT>                              5,896,500      4,587,766
<INTEREST-EXPENSE>                              7,532,471      5,543,472
<INTEREST-INCOME-NET>                           5,916,221      4,559,645
<LOAN-LOSSES>                                     400,000        350,000
<SECURITIES-GAINS>                                 14,818         (5,582)
<EXPENSE-OTHER>                                 3,735,191      2,886,679
<INCOME-PRETAX>                                 1,930,957      1,531,097
<INCOME-PRE-EXTRAORDINARY>                      1,930,957      1,531,097
<EXTRAORDINARY>                                         0              0
<CHANGES>                                               0              0
<NET-INCOME>                                    1,340,957      1,095,635
<EPS-PRIMARY>                                         .51            .42
<EPS-DILUTED>                                         .49            .40
<YIELD-ACTUAL>                                       3.09           3.10
<LOANS-NON>                                       497,734        870,961
<LOANS-PAST>                                      151,068        211,443
<LOANS-TROUBLED>                                        0              0
<LOANS-PROBLEM>                                   497,734        870,961
<ALLOWANCE-OPEN>                                  960,672        738,313
<CHARGE-OFFS>                                         524        127,641
<RECOVERIES>                                            0              0
<ALLOWANCE-CLOSE>                               1,360,148        960,672
<ALLOWANCE-DOMESTIC>                            1,360,148        960,672
<ALLOWANCE-FOREIGN>                                     0              0
<ALLOWANCE-UNALLOCATED>                                 0              0
                                               


</TABLE>