WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.

<TABLE> <S> <C>

<ARTICLE> 9
       
<S>                             <C>                     <C>
<PERIOD-TYPE>                   3-MOS                   YEAR
<FISCAL-YEAR-END>                                                  MAR-31-1997
<PERIOD-END>                                                       MAR-31-1997
<CASH>                                                               6,108,582
<INT-BEARING-DEPOSITS>                                                  18,808
<FED-FUNDS-SOLD>                                                     7,000,000
<TRADING-ASSETS>                                                             0
<INVESTMENTS-HELD-FOR-SALE>                                         55,771,553
<INVESTMENTS-CARRYING>                                              30,948,971
<INVESTMENTS-MARKET>                                                31,111,129
<LOANS>                                                            112,015,773
<ALLOWANCE>                                                          1,610,293
<TOTAL-ASSETS>                                                     216,551,918
<DEPOSITS>                                                         187,802,557
<SHORT-TERM>                                                            70,707
<LIABILITIES-OTHER>                                                    691,483
<LONG-TERM>                                                                  0
<PREFERRED-MANDATORY>                                                        0
<PREFERRED>                                                                  0
<COMMON>                                                             8,000,000
<OTHER-SE>                                                          19,987,151
<TOTAL-LIABILITIES-AND-EQUITY>                                     216,551,918
<INTEREST-LOAN>                              2,441,554               2,441,554
<INTEREST-INVEST>                            1,385,424               1,385,424
<INTEREST-OTHER>                                47,439                  47,439
<INTEREST-TOTAL>                             3,874,417               3,874,417
<INTEREST-DEPOSIT>                           1,652,177               1,652,177
<INTEREST-EXPENSE>                           1,653,838               1,653,838
<INTEREST-INCOME-NET>                        2,220,579               2,220,579
<LOAN-LOSSES>                                   60,000                  60,000
<SECURITIES-GAINS>                                   0                       0
<EXPENSE-OTHER>                              1,254,658               1,254,658
<INCOME-PRETAX>                              1,107,299               1,107,299
<INCOME-PRE-EXTRAORDINARY>                   1,107,299               1,107,299
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                   775,168                 775,168
<EPS-PRIMARY>                                     0.48                    0.48
<EPS-DILUTED>                                     0.48                    0.48
<YIELD-ACTUAL>                                                            4.39
<LOANS-NON>                                                            687,849
<LOANS-PAST>                                                           515,745
<LOANS-TROUBLED>                                                             0
<LOANS-PROBLEM>                                                        885,113
<ALLOWANCE-OPEN>                                                     1,620,078
<CHARGE-OFFS>                                                           75,390
<RECOVERIES>                                                             5,605
<ALLOWANCE-CLOSE>                                                    1,610,293
<ALLOWANCE-DOMESTIC>                                                 1,440,441
<ALLOWANCE-FOREIGN>                                                          0
<ALLOWANCE-UNALLOCATED>                                                169,852
        




</TABLE>