<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
Consolidated Statement of Financial Condition at December 31, 1996 and the
Consolidated Statement of Income for the Year Ended December 31, 1996 and is
qualified in its entirety by reference to such financial statements.
</LEGEND>
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               DEC-31-1996
<CASH>                                         4100286
<INT-BEARING-DEPOSITS>                         1925981
<FED-FUNDS-SOLD>                               3000000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                   18510478
<INVESTMENTS-CARRYING>                          634340
<INVESTMENTS-MARKET>                            634340
<LOANS>                                      102691740
<ALLOWANCE>                                    1486873
<TOTAL-ASSETS>                               134162166
<DEPOSITS>                                   117805395
<SHORT-TERM>                                   2311047
<LIABILITIES-OTHER>                            1408826
<LONG-TERM>                                    1000000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                       1334409
<OTHER-SE>                                    10302489
<TOTAL-LIABILITIES-AND-EQUITY>                11636898
<INTEREST-LOAN>                                8923573
<INTEREST-INVEST>                              1270161
<INTEREST-OTHER>                                352971
<INTEREST-TOTAL>                              10546705
<INTEREST-DEPOSIT>                             4752790
<INTEREST-EXPENSE>                             4963803
<INTEREST-INCOME-NET>                          5582902
<LOAN-LOSSES>                                   516100
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                4401372
<INCOME-PRETAX>                                1645774
<INCOME-PRE-EXTRAORDINARY>                     1645774
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   1001774
<EPS-PRIMARY>                                      .71
<EPS-DILUTED>                                      .71
<YIELD-ACTUAL>                                    4.81
<LOANS-NON>                                     110000
<LOANS-PAST>                                    200000
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               1067584
<CHARGE-OFFS>                                   386515
<RECOVERIES>                                    232704
<ALLOWANCE-CLOSE>                              1486873
<ALLOWANCE-DOMESTIC>                           1486873
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0