<TABLE> <S> <C>
                                              
<ARTICLE>                                          9
                                                    
<S>                                                <C>
<PERIOD-TYPE>                                      3-MOS
<FISCAL-YEAR-END>                                      DEC-31-1997
<PERIOD-END>                                           MAR-31-1997
<CASH>                                                  22,204,071
<INT-BEARING-DEPOSITS>                                     808,319
<FED-FUNDS-SOLD>                                         1,610,000
<TRADING-ASSETS>                                                 0
<INVESTMENTS-HELD-FOR-SALE>                             92,407,696
<INVESTMENTS-CARRYING>                                  14,652,883
<INVESTMENTS-MARKET>                                    14,616,152
<LOANS>                                                366,070,362
<ALLOWANCE>                                              4,036,533
<TOTAL-ASSETS>                                         520,556,273
<DEPOSITS>                                             449,345,819
<SHORT-TERM>                                             4,124,279
<LIABILITIES-OTHER>                                      4,513,234
<LONG-TERM>                                             29,000,000
<PREFERRED-MANDATORY>                                            0
<PREFERRED>                                                      0
<COMMON>                                                15,356,040
<OTHER-SE>                                              18,216,901
<TOTAL-LIABILITIES-AND-EQUITY>                         520,556,273
<INTEREST-LOAN>                                          8,265,305
<INTEREST-INVEST>                                        1,608,720
<INTEREST-OTHER>                                            38,601
<INTEREST-TOTAL>                                         9,912,626
<INTEREST-DEPOSIT>                                       3,924,013
<INTEREST-EXPENSE>                                       4,487,797
<INTEREST-INCOME-NET>                                    5,424,829
<LOAN-LOSSES>                                              200,000
<SECURITIES-GAINS>                                               0
<EXPENSE-OTHER>                                          4,179,995
<INCOME-PRETAX>                                          2,093,568
<INCOME-PRE-EXTRAORDINARY>                               2,093,568
<EXTRAORDINARY>                                                  0
<CHANGES>                                                        0
<NET-INCOME>                                             1,334,659
<EPS-PRIMARY>                                                 0.50
<EPS-DILUTED>                                                 0.50
<YIELD-ACTUAL>                                                4.80
<LOANS-NON>                                                 78,890
<LOANS-PAST>                                                48,449
<LOANS-TROUBLED>                                                 0
<LOANS-PROBLEM>                                                  0
<ALLOWANCE-OPEN>                                         3,801,201
<CHARGE-OFFS>                                               26,449
<RECOVERIES>                                                61,781
<ALLOWANCE-CLOSE>                                        4,036,533
<ALLOWANCE-DOMESTIC>                                     3,536,533
<ALLOWANCE-FOREIGN>                                              0
<ALLOWANCE-UNALLOCATED>                                    500,000
                                                    

</TABLE>