<TABLE> <S> <C>

<ARTICLE>                     9
<LEGEND>
This  schedule  contains  summary  financial   information  extracted  from  the
Consolidated   Balance  Sheet  at  September  30,  1997   (unaudited)   and  the
Consolidated Statement of Operation for the Nine Months Ended September 30, 1997
(unaudited)  and is qualified  in its  entirety by  reference to such  financial
statements.
</LEGEND>
<MULTIPLIER>                         1
       
<S>                                  <C>  
<PERIOD-TYPE>                        9-MOS
<FISCAL-YEAR-END>                                DEC-31-1997
<PERIOD-START>                                   JAN-01-1997
<PERIOD-END>                                     SEP-30-1997
<CASH>                                             9,700,621
<INT-BEARING-DEPOSITS>                                     0
<FED-FUNDS-SOLD>                                     510,000
<TRADING-ASSETS>                                           0
<INVESTMENTS-HELD-FOR-SALE>                       22,791,578
<INVESTMENTS-CARRYING>                            18,503,080
<INVESTMENTS-MARKET>                              18,539,385
<LOANS>                                          136,031,353
<ALLOWANCE>                                        1,951,857
<TOTAL-ASSETS>                                   189,124,080
<DEPOSITS>                                       165,494,142
<SHORT-TERM>                                       5,969,846
<LIABILITIES-OTHER>                                1,241,984
<LONG-TERM>                                        1,020,000
<PREFERRED-MANDATORY>                                      0
<PREFERRED>                                                0
<COMMON>                                          13,679,027
<OTHER-SE>                                         1,719,081
<TOTAL-LIABILITIES-AND-EQUITY>                   189,124,080
<INTEREST-LOAN>                                    8,696,417
<INTEREST-INVEST>                                  1,853,673
<INTEREST-OTHER>                                      84,652
<INTEREST-TOTAL>                                  10,634,742
<INTEREST-DEPOSIT>                                 4,552,140
<INTEREST-EXPENSE>                                 4,799,332
<INTEREST-INCOME-NET>                              5,835,410
<LOAN-LOSSES>                                        220,000
<SECURITIES-GAINS>                                         0
<EXPENSE-OTHER>                                    4,475,946
<INCOME-PRETAX>                                    2,644,048
<INCOME-PRE-EXTRAORDINARY>                         1,644,264
<EXTRAORDINARY>                                            0
<CHANGES>                                                  0
<NET-INCOME>                                       1,644,264
<EPS-PRIMARY>                                           1.02
<EPS-DILUTED>                                           1.01
<YIELD-ACTUAL>                                          4.70
<LOANS-NON>                                          109,238
<LOANS-PAST>                                          26,906
<LOANS-TROUBLED>                                           0
<LOANS-PROBLEM>                                            0
<ALLOWANCE-OPEN>                                   1,802,402
<CHARGE-OFFS>                                         95,332
<RECOVERIES>                                          24,787
<ALLOWANCE-CLOSE>                                  1,951,857
<ALLOWANCE-DOMESTIC>                               1,778,536
<ALLOWANCE-FOREIGN>                                        0
<ALLOWANCE-UNALLOCATED>                              173,321
        

</TABLE>