<TABLE> <S> <C>

<ARTICLE>                     9
<MULTIPLIER>                  1
       
<S>                                          <C>  
<PERIOD-TYPE>                                                             12-MOS
<FISCAL-YEAR-END>                                                    DEC-31-1997
<PERIOD-START>                                                       JAN-01-1997
<PERIOD-END>                                                         DEC-31-1997
<CASH>                                                                13,350,755
<INT-BEARING-DEPOSITS>                                                 3,168,353
<FED-FUNDS-SOLD>                                                               0
<TRADING-ASSETS>                                                               0
<INVESTMENTS-HELD-FOR-SALE>                                           71,665,213
<INVESTMENTS-CARRYING>                                                 2,957,971
<INVESTMENTS-MARKET>                                                   2,929,229
<LOANS>                                                              279,285,679
<ALLOWANCE>                                                            3,815,901
<TOTAL-ASSETS>                                                       411,285,074
<DEPOSITS>                                                           324,852,043
<SHORT-TERM>                                                          43,807,494
<LIABILITIES-OTHER>                                                    5,855,152
<LONG-TERM>                                                                    0
<PREFERRED-MANDATORY>                                                          0
<PREFERRED>                                                                    0
<COMMON>                                                               5,171,474
<OTHER-SE>                                                            31,598,911
<TOTAL-LIABILITIES-AND-EQUITY>                                       411,285,074
<INTEREST-LOAN>                                                       25,848,943
<INTEREST-INVEST>                                                      4,345,060
<INTEREST-OTHER>                                                         448,777
<INTEREST-TOTAL>                                                      30,642,780
<INTEREST-DEPOSIT>                                                    13,175,309
<INTEREST-EXPENSE>                                                    14,646,106
<INTEREST-INCOME-NET>                                                 15,996,674
<LOAN-LOSSES>                                                            765,000
<SECURITIES-GAINS>                                                       171,119
<EXPENSE-OTHER>                                                       15,020,327
<INCOME-PRETAX>                                                        5,543,243
<INCOME-PRE-EXTRAORDINARY>                                             3,748,698
<EXTRAORDINARY>                                                                0
<CHANGES>                                                                      0
<NET-INCOME>                                                           3,748,698
<EPS-PRIMARY>                                                               0.73
<EPS-DILUTED>                                                               0.72
<YIELD-ACTUAL>                                                              4.43
<LOANS-NON>                                                            4,669,000
<LOANS-PAST>                                                                   0
<LOANS-TROUBLED>                                                               0
<LOANS-PROBLEM>                                                       10,579,000
<ALLOWANCE-OPEN>                                                       5,763,000
<CHARGE-OFFS>                                                          2,917,000
<RECOVERIES>                                                             200,000
<ALLOWANCE-CLOSE>                                                      3,816,000
<ALLOWANCE-DOMESTIC>                                                     295,000
<ALLOWANCE-FOREIGN>                                                            0
<ALLOWANCE-UNALLOCATED>                                                3,521,000
        


</TABLE>