<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted
from the consolidated condensed statement of financial condition
and the consolidated condensed statement of income and is
qualified in its entirety by reference to such financial
statements.
</LEGEND>
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-END>                               MAR-31-1996
<CASH>                                         675,160
<INT-BEARING-DEPOSITS>                       9,810,570
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 10,110,641
<INVESTMENTS-CARRYING>                      14,496,181
<INVESTMENTS-MARKET>                                 0
<LOANS>                                    150,119,801
<ALLOWANCE>                                  1,794,145
<TOTAL-ASSETS>                             190,613,327
<DEPOSITS>                                 128,329,264
<SHORT-TERM>                                 2,150,000
<LIABILITIES-OTHER>                          1,339,283
<LONG-TERM>                                  3,766,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        40,111
<OTHER-SE>                                  54,988,669
<TOTAL-LIABILITIES-AND-EQUITY>             190,613,327
<INTEREST-LOAN>                              3,137,952
<INTEREST-INVEST>                              439,588
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                             3,577,540
<INTEREST-DEPOSIT>                           1,555,683
<INTEREST-EXPENSE>                             280,882
<INTEREST-INCOME-NET>                        1,740,975
<LOAN-LOSSES>                                   60,000
<SECURITIES-GAINS>                              13,774
<EXPENSE-OTHER>                              1,075,705
<INCOME-PRETAX>                              1,027,512
<INCOME-PRE-EXTRAORDINARY>                   1,027,512
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   655,878
<EPS-PRIMARY>                                      .17
<EPS-DILUTED>                                      .17
<YIELD-ACTUAL>                                    8.01
<LOANS-NON>                                    194,000
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             1,735,599
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                            1,794,145
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0