<ARTICLE> 9
<LEGEND>
The schedule contains summary financial information extracted from the annual
report on Form 10-K for the fiscal year ended December 31, 1997 and is qualified
in its entirety by reference to such financial statements.
</LEGEND>
   
       
                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               DEC-31-1997
<CASH>                                       4,265,615
<INT-BEARING-DEPOSITS>                       3,911,510
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                             1,740,883
<INVESTMENTS-HELD-FOR-SALE>                 41,122,986
<INVESTMENTS-CARRYING>                      81,150,055
<INVESTMENTS-MARKET>                        81,195,857
<LOANS>                                    294,489,126
<ALLOWANCE>                                    857,577
<TOTAL-ASSETS>                             438,462,032
<DEPOSITS>                                 316,655,755
<SHORT-TERM>                                30,344,000
<LIABILITIES-OTHER>                          7,255,164
<LONG-TERM>                                 54,700,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        13,712
<OTHER-SE>                                  29,493,401
<TOTAL-LIABILITIES-AND-EQUITY>             438,462,032
<INTEREST-LOAN>                             20,749,795
<INTEREST-INVEST>                            9,370,435
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                            30,120,230
<INTEREST-DEPOSIT>                          14,290,172
<INTEREST-EXPENSE>                           4,190,989
<INTEREST-INCOME-NET>                       11,639,069
<LOAN-LOSSES>                                  180,000
<SECURITIES-GAINS>                             819,385
<EXPENSE-OTHER>                             10,824,985
<INCOME-PRETAX>                              4,290,216
<INCOME-PRE-EXTRAORDINARY>                   2,790,316
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 2,790,316
<EPS-PRIMARY>                                     2.21
<EPS-DILUTED>                                     2.08
<YIELD-ACTUAL>                                    2.85
<LOANS-NON>                                  1,606,000
<LOANS-PAST>                                   434,000
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               859,922
<CHARGE-OFFS>                                  319,418
<RECOVERIES>                                    11,179
<ALLOWANCE-CLOSE>                              731,683
<ALLOWANCE-DOMESTIC>                            40,247
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        691,436