<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE QUARTERLY
REPORT ON FORM 10-Q FOR THE FISCAL QUARTER ENDED SEPTEMBER 31, 1996 AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               JUN-30-1997
<CASH>                                       1,404,888
<INT-BEARING-DEPOSITS>                       2,485,731
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 23,986,664
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                    287,523,750
<ALLOWANCE>                                  1,896,128
<TOTAL-ASSETS>                             328,803,125
<DEPOSITS>                                 199,775,439
<SHORT-TERM>                                37,250,000
<LIABILITIES-OTHER>                          3,001,205
<LONG-TERM>                                 59,078,557
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                    20,156,823
<OTHER-SE>                                   9,541,101
<TOTAL-LIABILITIES-AND-EQUITY>             328,803,125
<INTEREST-LOAN>                              5,825,740
<INTEREST-INVEST>                              416,859
<INTEREST-OTHER>                                36,043
<INTEREST-TOTAL>                             6,278,642
<INTEREST-DEPOSIT>                           2,308,633
<INTEREST-EXPENSE>                           3,649,491
<INTEREST-INCOME-NET>                        2,629,151
<LOAN-LOSSES>                                   45,000
<SECURITIES-GAINS>                             141,836
<EXPENSE-OTHER>                              1,316,637
<INCOME-PRETAX>                              1,743,723
<INCOME-PRE-EXTRAORDINARY>                   1,743,723
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 1,098,964
<EPS-PRIMARY>                                      .74
<EPS-DILUTED>                                      .74
<YIELD-ACTUAL>                                    8.22
<LOANS-NON>                                    346,620
<LOANS-PAST>                                    27,523
<LOANS-TROUBLED>                                44,179
<LOANS-PROBLEM>                              2,581,896
<ALLOWANCE-OPEN>                             1,860,380
<CHARGE-OFFS>                                   10,422
<RECOVERIES>                                     1,170
<ALLOWANCE-CLOSE>                            1,896,128
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                         77,327