<ARTICLE> 9
<LEGEND>
THIS LEGEND CONTAINS SUMMARY INFORMATION EXTRACTED FROM THE FORM 10-Q 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>                                       2,359,737
<INT-BEARING-DEPOSITS>                       3,014,866
<FED-FUNDS-SOLD>                             2,200,000
<TRADING-ASSETS>                               488,993
<INVESTMENTS-HELD-FOR-SALE>                 15,880,318
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                     69,373,459
<ALLOWANCE>                                    349,530
<TOTAL-ASSETS>                              93,642,988
<DEPOSITS>                                  67,572,713
<SHORT-TERM>                                 9,500,000
<LIABILITIES-OTHER>                          1,310,436
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        11,241
<OTHER-SE>                                  15,248,598
<TOTAL-LIABILITIES-AND-EQUITY>              93,642,988
<INTEREST-LOAN>                              1,422,391
<INTEREST-INVEST>                              269,242
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                             1,691,633
<INTEREST-DEPOSIT>                             700,532
<INTEREST-EXPENSE>                             836,898
<INTEREST-INCOME-NET>                          854,735
<LOAN-LOSSES>                                    5,155
<SECURITIES-GAINS>                              61,493
<EXPENSE-OTHER>                                629,787
<INCOME-PRETAX>                                378,354
<INCOME-PRE-EXTRAORDINARY>                     378,354
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   234,547
<EPS-PRIMARY>                                     0.24
<EPS-DILUTED>                                     0.24
<YIELD-ACTUAL>                                    4.00
<LOANS-NON>                                    545,000
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               354,631
<CHARGE-OFFS>                                   10,256
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                              349,530
<ALLOWANCE-DOMESTIC>                           349,530
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0