<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
ANNUAL REPORT ON FORM 10-KSB FOR THE YEAR ENDED DECEMBER 31, 1997 AND
IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1
       
                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               DEC-31-1997
<CASH>                                       1,435,746
<INT-BEARING-DEPOSITS>                       1,088,237
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 27,934,974
<INVESTMENTS-CARRYING>                      19,839,678
<INVESTMENTS-MARKET>                        20,055,364
<LOANS>                                     91,276,434
<ALLOWANCE>                                    568,000
<TOTAL-ASSETS>                             147,724,441
<DEPOSITS>                                 105,278,292
<SHORT-TERM>                                14,500,000
<LIABILITIES-OTHER>                          1,270,688
<LONG-TERM>                                 16,000,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                    10,675,461
<OTHER-SE>                                           0
<TOTAL-LIABILITIES-AND-EQUITY>             147,724,441
<INTEREST-LOAN>                              7,074,649
<INTEREST-INVEST>                            3,675,351
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                            10,750,000
<INTEREST-DEPOSIT>                           5,039,036
<INTEREST-EXPENSE>                           6,720,297
<INTEREST-INCOME-NET>                        4,029,703
<LOAN-LOSSES>                                   48,000
<SECURITIES-GAINS>                             220,223
<EXPENSE-OTHER>                              2,581,475
<INCOME-PRETAX>                              1,953,914
<INCOME-PRE-EXTRAORDINARY>                   1,953,914
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 1,264,914
<EPS-PRIMARY>                                     1.23
<EPS-DILUTED>                                     1.14
<YIELD-ACTUAL>                                    2.89
<LOANS-NON>                                    769,000
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               686,000
<CHARGE-OFFS>                                  166,000
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                              568,000
<ALLOWANCE-DOMESTIC>                           461,000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        107,000