<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               SEP-30-1997
<CASH>                                       2,665,360
<INT-BEARING-DEPOSITS>                         160,733
<FED-FUNDS-SOLD>                             1,657,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 14,508,203
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
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<ALLOWANCE>                                    644,791
<TOTAL-ASSETS>                              82,655,624
<DEPOSITS>                                  70,979,608
<SHORT-TERM>                                 1,655,681
<LIABILITIES-OTHER>                            987,444
<LONG-TERM>                                    709,467
<PREFERRED-MANDATORY>                                0
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<OTHER-SE>                                   8,278,341
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<INTEREST-LOAN>                              3,912,117
<INTEREST-INVEST>                              632,284
<INTEREST-OTHER>                                34,379
<INTEREST-TOTAL>                             4,578,780
<INTEREST-DEPOSIT>                           2,122,710
<INTEREST-EXPENSE>                           2,198,457
<INTEREST-INCOME-NET>                        2,380,323
<LOAN-LOSSES>                                   90,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              1,992,446
<INCOME-PRETAX>                                944,457
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<EPS-PRIMARY>                                     2.74
<EPS-DILUTED>                                     2.74
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<RECOVERIES>                                    30,000
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<ALLOWANCE-FOREIGN>                                  0
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