<ARTICLE> 9
<LEGEND>
SEE NOTES TO CONSOLIDATED FINANCIAL STATEMENTS.
</LEGEND>
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               MAR-31-1997
<CASH>                                       7,095,766
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                             2,200,000
<TRADING-ASSETS>                               241,281
<INVESTMENTS-HELD-FOR-SALE>                155,982,915
<INVESTMENTS-CARRYING>                               0
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<LIABILITIES-OTHER>                          2,365,435
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<INTEREST-LOAN>                              1,528,675
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<INTEREST-TOTAL>                             4,777,780
<INTEREST-DEPOSIT>                           1,744,288
<INTEREST-EXPENSE>                           2,092,035
<INTEREST-INCOME-NET>                        2,685,745
<LOAN-LOSSES>                                   25,000
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<INCOME-PRETAX>                              1,615,819
<INCOME-PRE-EXTRAORDINARY>                   1,615,819
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
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<EPS-PRIMARY>                                      .54
<EPS-DILUTED>                                      .54
<YIELD-ACTUAL>                                    4.99
<LOANS-NON>                                    832,817
<LOANS-PAST>                                 1,198,049
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<CHARGE-OFFS>                                   51,392
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