<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               SEP-30-1997
<CASH>                                       1,572,174
<INT-BEARING-DEPOSITS>                         625,247
<FED-FUNDS-SOLD>                             1,112,970
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  1,852,775
<INVESTMENTS-CARRYING>                       7,028,303
<INVESTMENTS-MARKET>                         7,192,836
<LOANS>                                     89,580,180
<ALLOWANCE>                                    555,417
<TOTAL-ASSETS>                             104,772,505
<DEPOSITS>                                  66,720,932
<SHORT-TERM>                                 5,050,000
<LIABILITIES-OTHER>                          2,022,713
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                    20,610,883
<OTHER-SE>                                  10,367,977
<TOTAL-LIABILITIES-AND-EQUITY>             104,772,505
<INTEREST-LOAN>                              5,420,121
<INTEREST-INVEST>                              398,783
<INTEREST-OTHER>                               441,141
<INTEREST-TOTAL>                             6,260,045
<INTEREST-DEPOSIT>                           2,506,917
<INTEREST-EXPENSE>                           2,557,117
<INTEREST-INCOME-NET>                        3,702,928
<LOAN-LOSSES>                                   45,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              1,879,049
<INCOME-PRETAX>                              1,881,582
<INCOME-PRE-EXTRAORDINARY>                   1,881,582
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 1,170,415
<EPS-PRIMARY>                                      .63
<EPS-DILUTED>                                      .63
<YIELD-ACTUAL>                                    4.69
<LOANS-NON>                                          0
<LOANS-PAST>                                   241,546
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               511,489
<CHARGE-OFFS>                                    1,072
<RECOVERIES>                                         0
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<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        555,417