<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED FINANCIAL INFORMATION INCORPORATED BY REFERENCE TO THE 1997 FOURTH
QUARTER INCORPORATE FINANCIAL REVIEW AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL INFORMATION.
</LEGEND>
       
<S>                             <C>
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               DEC-31-1997
<CASH>                                      13,638,396
<INT-BEARING-DEPOSITS>                     211,613,706
<FED-FUNDS-SOLD>                             2,000,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 58,179,424
<INVESTMENTS-CARRYING>                       5,287,319
<INVESTMENTS-MARKET>                         5,459,499
<LOANS>                                    235,168,835
<ALLOWANCE>                                  2,914,329
<TOTAL-ASSETS>                             320,329,571
<DEPOSITS>                                 268,726,614
<SHORT-TERM>                                 6,000,000
<LIABILITIES-OTHER>                          6,263,385
<LONG-TERM>                                  9,000,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     2,586,999
<OTHER-SE>                                  27,752,572
<TOTAL-LIABILITIES-AND-EQUITY>             320,329,570
<INTEREST-LOAN>                             19,506,012
<INTEREST-INVEST>                            4,207,643
<INTEREST-OTHER>                                99,083
<INTEREST-TOTAL>                            23,812,738
<INTEREST-DEPOSIT>                           9,129,539
<INTEREST-EXPENSE>                           9,980,576
<INTEREST-INCOME-NET>                       13,832,162
<LOAN-LOSSES>                                  720,000
<SECURITIES-GAINS>                             220,250
<EXPENSE-OTHER>                              8,950,416
<INCOME-PRETAX>                              5,748,160
<INCOME-PRE-EXTRAORDINARY>                   3,904,710
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 3,904,710
<EPS-PRIMARY>                                     1.51
<EPS-DILUTED>                                     1.50
<YIELD-ACTUAL>                                    4.86
<LOANS-NON>                                  1,355,617
<LOANS-PAST>                                 1,213,225
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                           (2,578,504)
<CHARGE-OFFS>                                  522,934
<RECOVERIES>                                   138,759
<ALLOWANCE-CLOSE>                          (2,914,329)
<ALLOWANCE-DOMESTIC>                       (2,914,329)
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        438,000
        

</TABLE>