<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
This schedule contains summary 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>                     <C>
<PERIOD-TYPE>                   9-MOS                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1997             DEC-31-1997
<PERIOD-START>                             JAN-01-1997             JAN-01-1997
<PERIOD-END>                               SEP-30-1997             JUN-30-1997
<CASH>                                      13,486,175              13,699,126
<INT-BEARING-DEPOSITS>                     210,939,843             213,544,183
<FED-FUNDS-SOLD>                                     0                       0
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                 57,002,436              61,402,204
<INVESTMENTS-CARRYING>                       6,117,899               6,936,722
<INVESTMENTS-MARKET>                         6,303,308               9,563,505
<LOANS>                                    232,606,786             231,244,375
<ALLOWANCE>                                  2,911,966               2,746,810
<TOTAL-ASSETS>                             315,364,373             320,329,903
<DEPOSITS>                                 259,443,567             267,371,761
<SHORT-TERM>                                16,000,000              14,899,000
<LIABILITIES-OTHER>                          6,533,882               6,508,346
<LONG-TERM>                                  4,000,000               1,000,000
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                     1,719,286               1,719,286
<OTHER-SE>                                  27,667,638              26,856,206
<TOTAL-LIABILITIES-AND-EQUITY>             315,365,373             320,329,903
<INTEREST-LOAN>                             14,450,589               9,406,820
<INTEREST-INVEST>                            3,204,895               2,128,550
<INTEREST-OTHER>                                74,707                  70,145
<INTEREST-TOTAL>                            17,730,191              11,605,515
<INTEREST-DEPOSIT>                           6,827,200               4,495,654
<INTEREST-EXPENSE>                           7,451,532               4,884,770
<INTEREST-INCOME-NET>                       10,278,660               6,720,746
<LOAN-LOSSES>                                  525,000                 330,000
<SECURITIES-GAINS>                              95,803                  94,931
<EXPENSE-OTHER>                              6,781,719               4,571,678
<INCOME-PRETAX>                              4,150,307               2,676,093
<INCOME-PRE-EXTRAORDINARY>                   2,802,557               1,837,093
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                 2,802,557               1,837,093
<EPS-PRIMARY>                                     1.63                    1.07
<EPS-DILUTED>                                     1.62                    1.06
<YIELD-ACTUAL>                                    4.86                    4.80
<LOANS-NON>                                  1,319,640               1,319,640
<LOANS-PAST>                                 1,093,577               1,093,577
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                             2,578,504               2,578,504
<CHARGE-OFFS>                                  304,795                 220,983
<RECOVERIES>                                   113,287                  59,289
<ALLOWANCE-CLOSE>                            2,911,996               2,746,810
<ALLOWANCE-DOMESTIC>                         2,567,996               2,746,810
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                        344,000                 393,000
        

</TABLE>