<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>                                         642,726
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                             3,739,622
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                       1,500,000
<INVESTMENTS-MARKET>                         1,502,794
<LOANS>                                     35,060,279
<ALLOWANCE>                                    378,000
<TOTAL-ASSETS>                              42,739,697
<DEPOSITS>                                  38,088,152
<SHORT-TERM>                                   481,490
<LIABILITIES-OTHER>                            157,343
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        55,933
<OTHER-SE>                                   3,956,779
<TOTAL-LIABILITIES-AND-EQUITY>              42,739,697
<INTEREST-LOAN>                              2,967,602
<INTEREST-INVEST>                               86,889
<INTEREST-OTHER>                               223,492
<INTEREST-TOTAL>                             3,277,983
<INTEREST-DEPOSIT>                           1,626,794
<INTEREST-EXPENSE>                           1,648,536
<INTEREST-INCOME-NET>                        1,629,447
<LOAN-LOSSES>                                   81,807
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              1,353,134
<INCOME-PRETAX>                                289,921
<INCOME-PRE-EXTRAORDINARY>                     289,921
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   289,921
<EPS-PRIMARY>                                     0.52
<EPS-DILUTED>                                     0.48
<YIELD-ACTUAL>                                    4.40
<LOANS-NON>                                     42,446
<LOANS-PAST>                                   218,055
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                355,117
<ALLOWANCE-OPEN>                               332,253
<CHARGE-OFFS>                                   49,812
<RECOVERIES>                                    13,752
<ALLOWANCE-CLOSE>                              378,000
<ALLOWANCE-DOMESTIC>                           328,651
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                         49,349
        

</TABLE>