<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               SEP-30-1997
<CASH>                                      10,724,183
<INT-BEARING-DEPOSITS>                          54,455
<FED-FUNDS-SOLD>                             8,000,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 22,687,310
<INVESTMENTS-CARRYING>                      27,721,207
<INVESTMENTS-MARKET>                        27,723,056
<LOANS>                                    134,815,405
<ALLOWANCE>                                  3,000,000
<TOTAL-ASSETS>                             200,664,565
<DEPOSITS>                                 160,010,387
<SHORT-TERM>                                   159,168
<LIABILITIES-OTHER>                          2,894,871
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                       759,899
<OTHER-SE>                                  36,840,240
<TOTAL-LIABILITIES-AND-EQUITY>             200,664,565
<INTEREST-LOAN>                              9,123,660
<INTEREST-INVEST>                              802,403
<INTEREST-OTHER>                               509,889
<INTEREST-TOTAL>                            10,435,952
<INTEREST-DEPOSIT>                           4,678,707
<INTEREST-EXPENSE>                              26,566
<INTEREST-INCOME-NET>                        4,705,273
<LOAN-LOSSES>                                1,116,330
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              9,381,825
<INCOME-PRETAX>                              4,838,149
<INCOME-PRE-EXTRAORDINARY>                   4,838,149
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 2,804,191
<EPS-PRIMARY>                                     0.44
<EPS-DILUTED>                                     0.44
<YIELD-ACTUAL>                                    5.20
<LOANS-NON>                                  2,643,912
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             3,000,000
<CHARGE-OFFS>                                1,196,134
<RECOVERIES>                                    79,804
<ALLOWANCE-CLOSE>                            3,000,000
<ALLOWANCE-DOMESTIC>                         2,777,051
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        222,949