<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               SEP-30-1997
<CASH>                                      15,196,973
<INT-BEARING-DEPOSITS>                         180,000
<FED-FUNDS-SOLD>                             7,765,398
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 71,354,881
<INVESTMENTS-CARRYING>                               0
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<ALLOWANCE>                                  5,497,319
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<DEPOSITS>                                 408,874,341
<SHORT-TERM>                                 1,187,464
<LIABILITIES-OTHER>                          4,159,421
<LONG-TERM>                                  5,000,000
<PREFERRED-MANDATORY>                                0
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<OTHER-SE>                                  39,644,742
<TOTAL-LIABILITIES-AND-EQUITY>             463,764,141
<INTEREST-LOAN>                             24,130,637
<INTEREST-INVEST>                            3,002,536
<INTEREST-OTHER>                               633,933
<INTEREST-TOTAL>                            27,767,106
<INTEREST-DEPOSIT>                          11,907,408
<INTEREST-EXPENSE>                          12,078,342
<INTEREST-INCOME-NET>                       15,688,764
<LOAN-LOSSES>                                  696,000
<SECURITIES-GAINS>                              31,524
<EXPENSE-OTHER>                             13,943,869
<INCOME-PRETAX>                              6,187,696
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<EXTRAORDINARY>                                      0
<CHANGES>                                            0
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<EPS-PRIMARY>                                     1.84
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<YIELD-ACTUAL>                                    4.81
<LOANS-NON>                                  2,816,000
<LOANS-PAST>                                   656,000
<LOANS-TROUBLED>                                     0
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<ALLOWANCE-DOMESTIC>                         4,797,319
<ALLOWANCE-FOREIGN>                                  0
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