<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               MAR-31-1997
<CASH>                                         4991087
<INT-BEARING-DEPOSITS>                         1570573
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    5099611
<INVESTMENTS-CARRYING>                        70076922
<INVESTMENTS-MARKET>                          69854501
<LOANS>                                      113272580
<ALLOWANCE>                                    1636872
<TOTAL-ASSETS>                               198886221
<DEPOSITS>                                   175861641
<SHORT-TERM>                                   4500000
<LIABILITIES-OTHER>                            1697364
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                        156
<COMMON>                                         15941
<OTHER-SE>                                    17337232
<TOTAL-LIABILITIES-AND-EQUITY>               198886221
<INTEREST-LOAN>                                2586038
<INTEREST-INVEST>                              1236544
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                               3822582
<INTEREST-DEPOSIT>                             1940024
<INTEREST-EXPENSE>                             2013433
<INTEREST-INCOME-NET>                          1809149
<LOAN-LOSSES>                                   130000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                1345835
<INCOME-PRETAX>                                 735740
<INCOME-PRE-EXTRAORDINARY>                      735740
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    502540
<EPS-PRIMARY>                                     0.31
<EPS-DILUTED>                                     0.31
<YIELD-ACTUAL>                                    8.28
<LOANS-NON>                                    1378221
<LOANS-PAST>                                     24393
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               1500941
<CHARGE-OFFS>                                     9155
<RECOVERIES>                                     15086
<ALLOWANCE-CLOSE>                              1636872
<ALLOWANCE-DOMESTIC>                           1636872
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0