<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               SEP-30-1997
<CASH>                                       6,874,460
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                             6,210,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 10,750,282
<INVESTMENTS-CARRYING>                      69,116,708
<INVESTMENTS-MARKET>                        70,625,000
<LOANS>                                     81,182,472
<ALLOWANCE>                                  1,192,618
<TOTAL-ASSETS>                             179,627,750
<DEPOSITS>                                 148,143,032
<SHORT-TERM>                                 4,461,551
<LIABILITIES-OTHER>                          1,076,240
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                    11,447,640
<OTHER-SE>                                  14,499,287
<TOTAL-LIABILITIES-AND-EQUITY>             179,627,750
<INTEREST-LOAN>                              5,541,534
<INTEREST-INVEST>                            3,913,552
<INTEREST-OTHER>                               361,392
<INTEREST-TOTAL>                             9,816,478
<INTEREST-DEPOSIT>                           3,659,864
<INTEREST-EXPENSE>                           3,787,444
<INTEREST-INCOME-NET>                        6,029,034
<LOAN-LOSSES>                                   90,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              4,248,392
<INCOME-PRETAX>                              2,229,473
<INCOME-PRE-EXTRAORDINARY>                   1,738,038
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 1,738,038
<EPS-PRIMARY>                                     1.52
<EPS-DILUTED>                                     1.52
<YIELD-ACTUAL>                                    5.18
<LOANS-NON>                                    459,618
<LOANS-PAST>                                    30,132
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                              2,088,492
<ALLOWANCE-OPEN>                             1,150,917
<CHARGE-OFFS>                                   65,984
<RECOVERIES>                                    17,685
<ALLOWANCE-CLOSE>                            1,192,618
<ALLOWANCE-DOMESTIC>                           125,005
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                      1,067,613