<ARTICLE> 9
       
                                                                                                
<PERIOD-TYPE>                   YEAR                       YEAR                       YEAR                  
<FISCAL-YEAR-END>                          DEC-31-1997                DEC-31-1996                DEC-31-1995
<PERIOD-START>                             JAN-01-1997                JAN-01-1996                JAN-01-1995
<PERIOD-END>                               DEC-31-1997                DEC-31-1996                DEC-31-1995
<CASH>                                      20,687,367                 21,332,328                 13,723,107
<INT-BEARING-DEPOSITS>                               0                          0                          0
<FED-FUNDS-SOLD>                             5,500,000                          0                 23,800,000
<TRADING-ASSETS>                                     0                          0                          0
<INVESTMENTS-HELD-FOR-SALE>                 33,851,953                 42,924,649                 60,899,628
<INVESTMENTS-CARRYING>                       7,627,126                  9,456,437                  9,375,472
<INVESTMENTS-MARKET>                         7,637,774                  9,417,689                  9,354,100
<LOANS>                                    456,476,566                392,305,248                300,703,505
<ALLOWANCE>                                  9,153,823                  7,330,676                  4,654,234
<TOTAL-ASSETS>                             534,101,701                478,048,306                420,580,878
<DEPOSITS>                                 461,728,558                408,721,697                365,950,588
<SHORT-TERM>                                 1,414,000                  3,272,000                  4,784,000
<LIABILITIES-OTHER>                          5,359,563                  4,523,533                  4,472,328
<LONG-TERM>                                 15,486,720                 15,805,740                  3,448,172
<PREFERRED-MANDATORY>                                0                          0                          0
<PREFERRED>                                          0                          0                          0
<COMMON>                                    13,545,000                  4,514,850                  4,424,440
<OTHER-SE>                                  36,567,860                 41,210,486                 36,649,820
<TOTAL-LIABILITIES-AND-EQUITY>             534,101,701                478,048,306                420,580,878
<INTEREST-LOAN>                             46,004,376                 35,385,103                 26,655,033
<INTEREST-INVEST>                            2,871,342                  3,622,297                  3,104,976
<INTEREST-OTHER>                               129,080                    513,326                    627,135
<INTEREST-TOTAL>                            49,004,798                 39,520,726                 31,387,144
<INTEREST-DEPOSIT>                          17,877,949                 15,177,803                 13,016,821
<INTEREST-EXPENSE>                          19,143,932                 15,824,520                 13,443,894
<INTEREST-INCOME-NET>                       29,860,866                 23,696,206                 17,943,250
<LOAN-LOSSES>                                5,953,205                  2,973,193                  1,423,656
<SECURITIES-GAINS>                               1,982                          0                      5,373
<EXPENSE-OTHER>                             17,008,839                 14,799,910                 11,257,168
<INCOME-PRETAX>                             10,819,938                  9,333,883                  7,860,701
<INCOME-PRE-EXTRAORDINARY>                  10,819,938                  9,333,883                  7,860,701
<EXTRAORDINARY>                                      0                          0                          0
<CHANGES>                                            0                          0                          0
<NET-INCOME>                                 6,830,174                  5,963,262                  5,108,440
<EPS-PRIMARY>                                     5.04                       4.43                       3.83
<EPS-DILUTED>                                     5.03                       4.43                       3.82
<YIELD-ACTUAL>                                    6.11                       5.46                       4.65
<LOANS-NON>                                  2,264,771                    616,000                    902,000
<LOANS-PAST>                                 1,582,520                  1,486,000                  1,044,000
<LOANS-TROUBLED>                                     0                          0                          0
<LOANS-PROBLEM>                             13,661,670                  5,085,670                  2,773,000
<ALLOWANCE-OPEN>                             7,330,676                  4,654,234                  3,446,762
<CHARGE-OFFS>                                5,142,150                  1,625,000                    671,962
<RECOVERIES>                                 1,012,092                    888,249                    455,778
<ALLOWANCE-CLOSE>                            9,153,823                  7,330,676                  4,654,234
<ALLOWANCE-DOMESTIC>                         9,153,823                  7,330,676                  4,654,234
<ALLOWANCE-FOREIGN>                                  0                          0                          0
<ALLOWANCE-UNALLOCATED>                              0                          0                          0