
<TABLE> <S> <C>

<ARTICLE>           9
       
<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               SEP-30-1997
<CASH>                                      15,769,231
<INT-BEARING-DEPOSITS>                          40,091
<FED-FUNDS-SOLD>                            14,850,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 13,554,520
<INVESTMENTS-CARRYING>                         822,715
<INVESTMENTS-MARKET>                           824,376
<LOANS>                                    201,537,575
<ALLOWANCE>                                  2,255,000
<TOTAL-ASSETS>                             250,963,277
<DEPOSITS>                                 226,987,027
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                            735,580
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        21,450
<OTHER-SE>                                  23,219,220
<TOTAL-LIABILITIES-AND-EQUITY>             250,963,277
<INTEREST-LOAN>                             11,672,201
<INTEREST-INVEST>                              832,725
<INTEREST-OTHER>                               543,845
<INTEREST-TOTAL>                            13,049,771
<INTEREST-DEPOSIT>                                 761
<INTEREST-EXPENSE>                           5,910,376
<INTEREST-INCOME-NET>                        7,139,395
<LOAN-LOSSES>                                  570,972
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              4,324,866
<INCOME-PRETAX>                              2,563,016
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 1,608,439
<EPS-PRIMARY>                                     0.74
<EPS-DILUTED>                                     0.74
<YIELD-ACTUAL>                                    8.83
<LOANS-NON>                                    183,000
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                261,444
<ALLOWANCE-OPEN>                             1,765,000
<CHARGE-OFFS>                                  112,000
<RECOVERIES>                                    31,000
<ALLOWANCE-CLOSE>                            2,255,000
<ALLOWANCE-DOMESTIC>                         1,888,403
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        366,597
        

</TABLE>
