<ARTICLE> 9
<LEGEND>
The schedule contains summary financial information extacted from the Form 10-Q
for the quarter ended June 30, 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>                               JUN-30-1997
<CASH>                                       3,792,273
<INT-BEARING-DEPOSITS>                       3,083,869
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                             1,485,362
<INVESTMENTS-HELD-FOR-SALE>                 42,875,944
<INVESTMENTS-CARRYING>                      93,613,392
<INVESTMENTS-MARKET>                        93,499,555
<LOANS>                                    271,194,429
<ALLOWANCE>                                    849,152
<TOTAL-ASSETS>                             426,705,101
<DEPOSITS>                                 317,958,799
<SHORT-TERM>                                46,312,000
<LIABILITIES-OTHER>                          6,472,712
<LONG-TERM>                                 28,300,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        13,866
<OTHER-SE>                                  27,647,904
<TOTAL-LIABILITIES-AND-EQUITY>             426,705,101
<INTEREST-LOAN>                              9,726,307
<INTEREST-INVEST>                            4,905,119
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                            14,631,426
<INTEREST-DEPOSIT>                           7,140,700
<INTEREST-EXPENSE>                           8,902,567
<INTEREST-INCOME-NET>                        5,728,859
<LOAN-LOSSES>                                   90,000
<SECURITIES-GAINS>                             294,300
<EXPENSE-OTHER>                              5,206,711
<INCOME-PRETAX>                              2,089,846
<INCOME-PRE-EXTRAORDINARY>                   1,348,046
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 1,348,046
<EPS-PRIMARY>                                      .52
<EPS-DILUTED>                                      .52
<YIELD-ACTUAL>                                    2.85
<LOANS-NON>                                  2,057,000
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               967,360
<CHARGE-OFFS>                                  212,311
<RECOVERIES>                                     4,103
<ALLOWANCE-CLOSE>                              849,152
<ALLOWANCE-DOMESTIC>                           160,134
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        689,018