<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>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               SEP-30-1997
<CASH>                                       2,691,839
<INT-BEARING-DEPOSITS>                       8,541,368
<FED-FUNDS-SOLD>                             1,650,000
<TRADING-ASSETS>                             2,017,005
<INVESTMENTS-HELD-FOR-SALE>                 11,844,286
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                     75,537,610
<ALLOWANCE>                                    387,994
<TOTAL-ASSETS>                             103,387,828
<DEPOSITS>                                  73,744,886
<SHORT-TERM>                                13,500,000
<LIABILITIES-OTHER>                          1,732,429
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        11,241
<OTHER-SE>                                  14,399,272
<TOTAL-LIABILITIES-AND-EQUITY>             103,387,828
<INTEREST-LOAN>                              4,437,100
<INTEREST-INVEST>                              859,632
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                             5,296,732
<INTEREST-DEPOSIT>                           2,250,660
<INTEREST-EXPENSE>                           2,762,668
<INTEREST-INCOME-NET>                        2,534,064
<LOAN-LOSSES>                                   46,425
<SECURITIES-GAINS>                             395,438
<EXPENSE-OTHER>                              2,010,774
<INCOME-PRETAX>                              1,255,626
<INCOME-PRE-EXTRAORDINARY>                   1,255,626
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   770,266
<EPS-PRIMARY>                                     0.82
<EPS-DILUTED>                                     0.82
<YIELD-ACTUAL>                                    3.80
<LOANS-NON>                                    202,000
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               354,631
<CHARGE-OFFS>                                   28,551
<RECOVERIES>                                    15,489
<ALLOWANCE-CLOSE>                              387,994
<ALLOWANCE-DOMESTIC>                           387,994
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0