<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               SEP-30-1997
<CASH>                                       1,667,405
<INT-BEARING-DEPOSITS>                       1,480,568
<FED-FUNDS-SOLD>                               100,000
<TRADING-ASSETS>                             1,097,738
<INVESTMENTS-HELD-FOR-SALE>                 24,864,760
<INVESTMENTS-CARRYING>                      18,587,864
<INVESTMENTS-MARKET>                        18,559,636
<LOANS>                                    109,100,026
<ALLOWANCE>                                    778,123
<TOTAL-ASSETS>                             160,875,696
<DEPOSITS>                                 132,205,551
<SHORT-TERM>                                 8,500,000
<LIABILITIES-OTHER>                          1,389,989
<LONG-TERM>                                    706,406
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     4,868,530
<OTHER-SE>                                  12,058,924
<TOTAL-LIABILITIES-AND-EQUITY>             160,875,696
<INTEREST-LOAN>                              2,394,912
<INTEREST-INVEST>                              738,594
<INTEREST-OTHER>                                35,852
<INTEREST-TOTAL>                             3,169,358
<INTEREST-DEPOSIT>                           1,604,149
<INTEREST-EXPENSE>                           1,726,704
<INTEREST-INCOME-NET>                        1,442,654
<LOAN-LOSSES>                                   67,955
<SECURITIES-GAINS>                             175,446
<EXPENSE-OTHER>                                893,484
<INCOME-PRETAX>                                776,979
<INCOME-PRE-EXTRAORDINARY>                     776,979
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   450,450
<EPS-PRIMARY>                                      .42
<EPS-DILUTED>                                      .42
<YIELD-ACTUAL>                                    3.71
<LOANS-NON>                                          0
<LOANS-PAST>                                   536,000
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                              1,400,000
<ALLOWANCE-OPEN>                               710,168
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                              778,123
<ALLOWANCE-DOMESTIC>                           302,193
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        475,930