<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE FORM 
10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               JUN-30-1997
<CASH>                                       3,209,452
<INT-BEARING-DEPOSITS>                      11,057,414
<FED-FUNDS-SOLD>                             3,600,000
<TRADING-ASSETS>                               986,972
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                      56,442,787
<INVESTMENTS-MARKET>                        56,408,382
<LOANS>                                    233,967,317
<ALLOWANCE>                                    882,800      
<TOTAL-ASSETS>                             311,613,437
<DEPOSITS>                                 256,129,172
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                          7,986,109
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        34,979
<OTHER-SE>                                  47,463,177
<TOTAL-LIABILITIES-AND-EQUITY>             311,613,437
<INTEREST-LOAN>                              9,563,479
<INTEREST-INVEST>                            2,047,084
<INTEREST-OTHER>                                68,691
<INTEREST-TOTAL>                            11,679,254
<INTEREST-DEPOSIT>                           6,182,919
<INTEREST-EXPENSE>                                   0
<INTEREST-INCOME-NET>                        5,496,335
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                              94,797
<EXPENSE-OTHER>                              2,477,498
<INCOME-PRETAX>                              3,505,749
<INCOME-PRE-EXTRAORDINARY>                   3,505,749
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 2,231,649
<EPS-PRIMARY>                                     0.82
<EPS-DILUTED>                                     0.81
<YIELD-ACTUAL>                                    3.64
<LOANS-NON>                                  1,272,000
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               882,800
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                              882,800
<ALLOWANCE-DOMESTIC>                           175,000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        707,800