<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
     (Replace this text with the legend)
</LEGEND>
<MULTIPLIER>                                   1
<CURRENCY>                                     USA
       
<S>                             <C>
<PERIOD-TYPE>                   Year
<FISCAL-YEAR-END>                              DEC-31-1997
<PERIOD-START>                                 JAN-01-1997
<PERIOD-END>                                   DEC-31-1997
<EXCHANGE-RATE>                                1.000
<CASH>                                         4,595,094
<INT-BEARING-DEPOSITS>                         0
<FED-FUNDS-SOLD>                               5,353,000
<TRADING-ASSETS>                               0
<INVESTMENTS-HELD-FOR-SALE>                    14,330,407
<INVESTMENTS-CARRYING>                         18,059,816
<INVESTMENTS-MARKET>                           18,067,086
<LOANS>                                        127,110,962
<ALLOWANCE>                                    1,391,424
<TOTAL-ASSETS>                                 158,734,895
<DEPOSITS>                                     140,742,105
<SHORT-TERM>                                   1,340,518
<LIABILITIES-OTHER>                            0
<LONG-TERM>                                    0
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    0
<COMMON>                                       617,990
<OTHER-SE>                                     16,034,282
<TOTAL-LIABILITIES-AND-EQUITY>                 158,734,895
<INTEREST-LOAN>                                12,234,895
<INTEREST-INVEST>                              1,030,862
<INTEREST-OTHER>                               387,615
<INTEREST-TOTAL>                               13,653,372
<INTEREST-DEPOSIT>                             6,508,513
<INTEREST-EXPENSE>                             6,508,513
<INTEREST-INCOME-NET>                          7,144,859
<LOAN-LOSSES>                                  359,617
<SECURITIES-GAINS>                             (1,674)
<EXPENSE-OTHER>                                3,599,737
<INCOME-PRETAX>                                3,771,141
<INCOME-PRE-EXTRAORDINARY>                     2,578,708
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   2,578,708
<EPS-PRIMARY>                                  .88
<EPS-DILUTED>                                  0
<YIELD-ACTUAL>                                 4.63
<LOANS-NON>                                    628,000
<LOANS-PAST>                                   4,939,659
<LOANS-TROUBLED>                               576,743
<LOANS-PROBLEM>                                375,152
<ALLOWANCE-OPEN>                               1,203,866
<CHARGE-OFFS>                                  286,000
<RECOVERIES>                                   114,000
<ALLOWANCE-CLOSE>                              1,391,424
<ALLOWANCE-DOMESTIC>                           1,391,424
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        814,681
        

</TABLE>