<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               SEP-30-1997
<CASH>                                         913,104
<INT-BEARING-DEPOSITS>                       5,295,817
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  2,314,649
<INVESTMENTS-CARRYING>                       1,940,103
<INVESTMENTS-MARKET>                         1,954,103
<LOANS>                                     76,805,472
<ALLOWANCE>                                    783,991
<TOTAL-ASSETS>                              90,307,727
<DEPOSITS>                                  81,153,788
<SHORT-TERM>                                 1,270,686
<LIABILITIES-OTHER>                            316,837
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     6,181,486
<OTHER-SE>                                   1,164,342
<TOTAL-LIABILITIES-AND-EQUITY>              90,307,727
<INTEREST-LOAN>                              4,959,194
<INTEREST-INVEST>                              438,122
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                             5,397,316
<INTEREST-DEPOSIT>                           2,687,556
<INTEREST-EXPENSE>                           2,779,788
<INTEREST-INCOME-NET>                        2,617,528
<LOAN-LOSSES>                                  180,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              1,871,124
<INCOME-PRETAX>                                793,888
<INCOME-PRE-EXTRAORDINARY>                     527,732
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   527,732
<EPS-PRIMARY>                                     0.56
<EPS-DILUTED>                                     0.56
<YIELD-ACTUAL>                                    4.82
<LOANS-NON>                                    226,070
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                562,638
<ALLOWANCE-OPEN>                               644,000
<CHARGE-OFFS>                                   66,000
<RECOVERIES>                                    26,000
<ALLOWANCE-CLOSE>                              784,000
<ALLOWANCE-DOMESTIC>                           784,000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0