<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE QUARTERLY
REPORT ON FORM 10-Q FOR THE FISCAL QUARTER ENDED SEPTEMBER 30, 1997 AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               SEP-30-1997
<CASH>                                         524,374
<INT-BEARING-DEPOSITS>                       1,560,289
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 46,477,871
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                     35,444,307
<ALLOWANCE>                                    186,000
<TOTAL-ASSETS>                              85,698,040
<DEPOSITS>                                  41,314,913
<SHORT-TERM>                                 8,500,000
<LIABILITIES-OTHER>                          3,898,116
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        21,821
<OTHER-SE>                                  31,985,010
<TOTAL-LIABILITIES-AND-EQUITY>              85,698,040
<INTEREST-LOAN>                              2,446,676
<INTEREST-INVEST>                            1,860,830
<INTEREST-OTHER>                               145,189
<INTEREST-TOTAL>                             4,452,695
<INTEREST-DEPOSIT>                           1,299,257
<INTEREST-EXPENSE>                           1,454,805
<INTEREST-INCOME-NET>                        2,997,890
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                 733
<EXPENSE-OTHER>                                916,067
<INCOME-PRETAX>                              2,132,564
<INCOME-PRE-EXTRAORDINARY>                   2,132,564
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 1,266,521
<EPS-PRIMARY>                                     0.58
<EPS-DILUTED>                                     0.58
<YIELD-ACTUAL>                                    5.07
<LOANS-NON>                                    888,792
<LOANS-PAST>                                 3,676,974
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               186,000
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                              186,000
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0