<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               SEP-30-1997
<CASH>                                      24,778,099
<INT-BEARING-DEPOSITS>                          84,073
<FED-FUNDS-SOLD>                                     0
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<INVESTMENTS-MARKET>                        79,177,179
<LOANS>                                    346,807,858
<ALLOWANCE>                                  5,179,577
<TOTAL-ASSETS>                             512,376,839
<DEPOSITS>                                 413,396,146
<SHORT-TERM>                                 4,921,843
<LIABILITIES-OTHER>                          2,653,446
<LONG-TERM>                                          0
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<COMMON>                                     9,037,841
<OTHER-SE>                                  82,367,563
<TOTAL-LIABILITIES-AND-EQUITY>             512,376,839
<INTEREST-LOAN>                             25,447,710
<INTEREST-INVEST>                            5,695,418
<INTEREST-OTHER>                               128,342
<INTEREST-TOTAL>                            31,271,470
<INTEREST-DEPOSIT>                          10,824,901
<INTEREST-EXPENSE>                          10,994,094
<INTEREST-INCOME-NET>                       20,277,376
<LOAN-LOSSES>                                  875,000
<SECURITIES-GAINS>                               3,695
<EXPENSE-OTHER>                              8,175,453
<INCOME-PRETAX>                             14,914,756
<INCOME-PRE-EXTRAORDINARY>                  14,914,756
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                10,047,208
<EPS-PRIMARY>                                     1.11
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<YIELD-ACTUAL>                                       0
<LOANS-NON>                                          0
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