<ARTICLE> 9
<LEGEND>
  The schedule contains summary financial information extracted
from the Form 10-Q for the quarter ended March 31, 1997 and is
qualified in its entirety by reference to such financial
statements.
</LEGEND>
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               MAR-31-1997
<CASH>                                       2,677,449
<INT-BEARING-DEPOSITS>                       5,549,273
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                             1,315,774
<INVESTMENTS-HELD-FOR-SALE>                 41,843,168
<INVESTMENTS-CARRYING>                      95,473,528
<INVESTMENTS-MARKET>                        94,782,843
<LOANS>                                    250,588,925
<ALLOWANCE>                                    816,415
<TOTAL-ASSETS>                             407,800,094
<DEPOSITS>                                 325,973,731
<SHORT-TERM>                                18,711,000
<LIABILITIES-OTHER>                          5,346,853
<LONG-TERM>                                 31,000,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        13,686
<OTHER-SE>                                  26,754,824
<TOTAL-LIABILITIES-AND-EQUITY>             407,800,094
<INTEREST-LOAN>                              4,748,011
<INTEREST-INVEST>                            2,453,013
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                             7,201,024
<INTEREST-DEPOSIT>                           3,608,399
<INTEREST-EXPENSE>                           4,384,133
<INTEREST-INCOME-NET>                        2,816,891
<LOAN-LOSSES>                                   45,000
<SECURITIES-GAINS>                             106,705
<EXPENSE-OTHER>                              2,529,261
<INCOME-PRETAX>                              1,003,544
<INCOME-PRE-EXTRAORDINARY>                     647,844
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   647,844
<EPS-PRIMARY>                                      .49
<EPS-DILUTED>                                      .49
<YIELD-ACTUAL>                                    2.85
<LOANS-NON>                                  1,004,000
<LOANS-PAST>                                    77,000
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               967,360
<CHARGE-OFFS>                                  199,301
<RECOVERIES>                                     3,356
<ALLOWANCE-CLOSE>                              816,415
<ALLOWANCE-DOMESTIC>                           140,385
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        676,030