<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
     This schedule  contains summary  financial  information  extracted from the
Consolidated  Balance Sheet at March 31, 1997  (unaudited) and the  Consolidated
Statement of Operation for the Three Months Ended March 31, 1997 (unaudited) and
is qualified in its entirety by reference to such financial statements.
</LEGEND>
<MULTIPLIER>                    1
       
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               MAR-31-1997
<CASH>                                       9,747,818 
<INT-BEARING-DEPOSITS>                               0 
<FED-FUNDS-SOLD>                             3,020,000 
<TRADING-ASSETS>                                     0 
<INVESTMENTS-HELD-FOR-SALE>                 22,286,385 
<INVESTMENTS-CARRYING>                      16,344,889 
<INVESTMENTS-MARKET>                        16,210,971 
<LOANS>                                    120,379,031 
<ALLOWANCE>                                  1,827,335 
<TOTAL-ASSETS>                             173,437,108 
<DEPOSITS>                                 152,811,237 
<SHORT-TERM>                                 2,865,020 
<LIABILITIES-OTHER>                            789,414 
<LONG-TERM>                                  1,140,000 
<PREFERRED-MANDATORY>                                0 
<PREFERRED>                                          0 
<COMMON>                                    13,644,786 
<OTHER-SE>                                     470,304 
<TOTAL-LIABILITIES-AND-EQUITY>             173,437,108 
<INTEREST-LOAN>                              2,653,768 
<INTEREST-INVEST>                              539,516 
<INTEREST-OTHER>                                48,215 
<INTEREST-TOTAL>                             3,241,499 
<INTEREST-DEPOSIT>                           1,427,395 
<INTEREST-EXPENSE>                           1,505,188 
<INTEREST-INCOME-NET>                        1,736,311 
<LOAN-LOSSES>                                   15,000 
<SECURITIES-GAINS>                                   0 
<EXPENSE-OTHER>                              1,367,656 
<INCOME-PRETAX>                                836,110 
<INCOME-PRE-EXTRAORDINARY>                     520,160 
<EXTRAORDINARY>                                      0 
<CHANGES>                                            0 
<NET-INCOME>                                   520,160 
<EPS-PRIMARY>                                      .32 
<EPS-DILUTED>                                      .32 
<YIELD-ACTUAL>                                    4.44 
<LOANS-NON>                                    281,426 
<LOANS-PAST>                                    83,176 
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             1,802,402 
<CHARGE-OFFS>                                    3,097 
<RECOVERIES>                                    13,030 
<ALLOWANCE-CLOSE>                            1,827,335 
<ALLOWANCE-DOMESTIC>                         1,662,926 
<ALLOWANCE-FOREIGN>                                  0 
<ALLOWANCE-UNALLOCATED>                        164,409 
                                                             

</TABLE>