<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information from the Consolidated
Balance Sheets at March 31, 1997 (Unaudited) and the Consolidated
Statements of Operations for the Three Months Ended March 31, 1997
(Unaudited) and is qualified in its entirety by reference to such
financial statements.
</LEGEND>
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               MAR-31-1997
<CASH>                                       3,788,189
<INT-BEARING-DEPOSITS>                       1,698,304
<FED-FUNDS-SOLD>                             6,070,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 18,736,711
<INVESTMENTS-CARRYING>                         692,940
<INVESTMENTS-MARKET>                           692,940
<LOANS>                                    106,328,896
<ALLOWANCE>                                  1,602,886
<TOTAL-ASSETS>                             140,629,409
<DEPOSITS>                                 122,833,724
<SHORT-TERM>                                 4,270,965
<LIABILITIES-OTHER>                          1,586,223
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     1,342,413
<OTHER-SE>                                  10,596,084
<TOTAL-LIABILITIES-AND-EQUITY>             140,629,409
<INTEREST-LOAN>                              2,672,962
<INTEREST-INVEST>                              275,621
<INTEREST-OTHER>                               111,510
<INTEREST-TOTAL>                             3,060,093
<INTEREST-DEPOSIT>                           1,338,888
<INTEREST-EXPENSE>                           1,400,423
<INTEREST-INCOME-NET>                        1,659,670
<LOAN-LOSSES>                                   87,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              1,274,141
<INCOME-PRETAX>                                537,794
<INCOME-PRE-EXTRAORDINARY>                     537,794
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   338,594
<EPS-PRIMARY>                                      .24
<EPS-DILUTED>                                      .24
<YIELD-ACTUAL>                                    5.17
<LOANS-NON>                                     18,000
<LOANS-PAST>                                    98,000
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             1,486,873
<CHARGE-OFFS>                                   91,536
<RECOVERIES>                                    84,550
<ALLOWANCE-CLOSE>                            1,602,886
<ALLOWANCE-DOMESTIC>                         1,602,886
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0