<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
SEPTEMBER 30, 1997 CONDENSED CONSOLIDATED FINANCIAL STATEMENTS AND ACCOUNTANTS'
REVIEW REPORT AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FORM 10QSB
FOR THE QUARTER ENDED SEPTEMBER 30, 1997.
</LEGEND>
       
<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               SEP-30-1997
<CASH>                                       6,670,791
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                             7,180,614
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 26,600,530
<INVESTMENTS-CARRYING>                      26,600,530
<INVESTMENTS-MARKET>                        26,600,530
<LOANS>                                    160,509,615
<ALLOWANCE>                                  1,376,990
<TOTAL-ASSETS>                             212,371,930
<DEPOSITS>                                 197,912,554
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                          1,326,372
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        27,581
<OTHER-SE>                                  13,105,423
<TOTAL-LIABILITIES-AND-EQUITY>             212,371,930
<INTEREST-LOAN>                             10,845,918
<INTEREST-INVEST>                            1,228,515
<INTEREST-OTHER>                               208,752
<INTEREST-TOTAL>                            12,283,185
<INTEREST-DEPOSIT>                           6,414,461
<INTEREST-EXPENSE>                           6,456,395
<INTEREST-INCOME-NET>                        5,826,790
<LOAN-LOSSES>                                  360,633
<SECURITIES-GAINS>                              88,089
<EXPENSE-OTHER>                              5,537,984
<INCOME-PRETAX>                                631,822
<INCOME-PRE-EXTRAORDINARY>                     631,822
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   410,685
<EPS-PRIMARY>                                     0.15
<EPS-DILUTED>                                        0
<YIELD-ACTUAL>                                    4.09
<LOANS-NON>                                  1,623,000
<LOANS-PAST>                                   319,000
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                521,000
<ALLOWANCE-OPEN>                             1,321,331
<CHARGE-OFFS>                                  306,116
<RECOVERIES>                                     1,142
<ALLOWANCE-CLOSE>                            1,376,990
<ALLOWANCE-DOMESTIC>                         1,376,990
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>