<TABLE> <S> <C>

<ARTICLE> 9
<MULTIPLIER> 1

<S>                           <C>            <C>            <C>            <C>           <C>
<PERIOD-TYPE>                 YEAR           6-MOS          9-MOS          3-MOS          6-MOS
<FISCAL-YEAR-END>               DEC-31-1996    DEC-31-1996    DEC-31-1996    DEC-31-1997  DEC-31-1997
<PERIOD-END>                    DEC-31-1996    JUN-30-1996    SEP-30-1996    MAR-31-1997  JUN-30-1997
<CASH>                            7,744,012     11,171,425      8,305,483      7,785,246    7,765,269
<INT-BEARING-DEPOSITS>              953,000      1,213,752      1,023,752        953,000    1,850,000
<FED-FUNDS-SOLD>                 10,625,000     22,825,000     17,600,000     24,375,000   21,275,000
<TRADING-ASSETS>                          0              0              0              0            0
<INVESTMENTS-HELD-FOR-SALE>       4,725,151      3,620,426      3,623,507      4,697,773   15,015,024
<INVESTMENTS-CARRYING>          113,474,908    110,972,422    111,915,025     91,176,193   85,132,655
<INVESTMENTS-MARKET>            113,635,320    110,601,039    111,842,746     91,003,036   85,315,109
<LOANS>                         209,016,895    188,112,825    197,099,994    205,768,921  205,831,617
<ALLOWANCE>                       9,084,153      9,655,867      9,751,911      9,123,373    8,552,792
<TOTAL-ASSETS>                  355,148,868    345,329,516    346,355,659    344,355,659  346,497,318
<DEPOSITS>                      254,182,603    249,486,527    245,287,302    244,096,810  245,298,439
<SHORT-TERM>                        638,000        631,000        631,000        638,000      638,000
<LIABILITIES-OTHER>              11,571,988     10,473,924     12,849,847     12,015,335   12,022,403
<LONG-TERM>                       4,175,000      4,206,084      4,192,700      1,665,318    1,654,984
<PREFERRED-MANDATORY>                     0              0              0              0            0
<PREFERRED>                               0              0              0              0            0
<COMMON>                         13,352,459     13,089,600     13,334,672     13,451,202   14,013,956
<OTHER-SE>                       71,228,211     66,811,381     69,429,078     72,171,353   72,869,536
<TOTAL-LIABILITIES-AND-EQUITY>  355,148,868    345,329,516    346,355,659    344,038,018  346,497,318
<INTEREST-LOAN>                  25,109,566     11,177,174     19,663,500      5,483,171   11,516,464
<INTEREST-INVEST>                 8,508,138      4,310,303      6,450,747      1,951,570    4,081,545
<INTEREST-OTHER>                          0              0              0              0            0
<INTEREST-TOTAL>                 33,617,704     15,487,477     26,114,247      7,434,741   15,598,009
<INTEREST-DEPOSIT>                9,711,456      4,864,428      7,254,955      2,406,459    4,900,154
<INTEREST-EXPENSE>               10,054,275      5,005,377      7,497,659      2,463,617     5,00,469
<INTEREST-INCOME-NET>            23,563,429     10,482,100     18,616,588      4,971,124   10,597,540
<LOAN-LOSSES>                   (1,487,734)              0    (1,000,000)              0    (101,108)
<SECURITIES-GAINS>                        0              0              0              0       13,643
<EXPENSE-OTHER>                  15,109,648      4,321,169     11,653,579      2,607,766    5,678,464
<INCOME-PRETAX>                  14,144,001      6,160,931     10,850,728      2,864,361    6,058,137
<INCOME-PRE-EXTRAORDINARY>                0              0              0              0            0
<EXTRAORDINARY>                           0              0              0              0            0
<CHANGES>                                 0              0              0              0            0
<NET-INCOME>                     10,236,890      4,312,652      7,418,485      2,114,124    4,355,800
<EPS-PRIMARY>                          1.23            .54            .92            .26          .52
<EPS-DILUTED>                          1.20            .52            .89            .25          .50
<YIELD-ACTUAL>                         7.05           6.70           7.32           5.10         5.09
<LOANS-NON>                       4,653,000      4,856,210      4,052,681      4,368,704    3,948,936
<LOANS-PAST>                              0              0              0              0            0
<LOANS-TROUBLED>                  1,063,000        216,000        702,000        588,013      963,496
<LOANS-PROBLEM>                   1,928,415              0      1,928,415      1,686,456    1,177,067
<ALLOWANCE-OPEN>                  9,747,000      9,746,559      9,746,559      9,084,153    9,084,153
<CHARGE-OFFS>                     1,083,000        266,481        471,104         36,336      601,568
<RECOVERIES>                      1,908,000        175,789      1,476,456         75,556       95,758
<ALLOWANCE-CLOSE>                 9,084,000      9,655,867      9,751,911      9,123,373    8,552,792
<ALLOWANCE-DOMESTIC>                      0              0              0              0            0
<ALLOWANCE-FOREIGN>                       0              0              0              0            0
<ALLOWANCE-UNALLOCATED>                   0              0              0              0            0


</TABLE>