<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-31-1996
<PERIOD-END>                               JUN-30-1996
<CASH>                                         877,101
<INT-BEARING-DEPOSITS>                       4,900,993
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 16,923,233
<INVESTMENTS-CARRYING>                      10,498,624
<INVESTMENTS-MARKET>                                 0
<LOANS>                                    155,857,313
<ALLOWANCE>                                  1,852,792
<TOTAL-ASSETS>                             194,283,072
<DEPOSITS>                                 129,020,848
<SHORT-TERM>                                 4,130,000
<LIABILITIES-OTHER>                          1,654,694
<LONG-TERM>                                  3,742,000
<COMMON>                                        40,111
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                  55,695,419
<TOTAL-LIABILITIES-AND-EQUITY>             194,283,072
<INTEREST-LOAN>                              6,370,050
<INTEREST-INVEST>                              941,720
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                             7,311,770
<INTEREST-DEPOSIT>                           3,099,358
<INTEREST-EXPENSE>                           3,443,790
<INTEREST-INCOME-NET>                        3,876,980
<LOAN-LOSSES>                                  120,000
<SECURITIES-GAINS>                              13,774
<EXPENSE-OTHER>                              2,040,550
<INCOME-PRETAX>                              2,611,701
<INCOME-PRE-EXTRAORDINARY>                   2,611,701
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 1,662,318
<EPS-PRIMARY>                                      .43
<EPS-DILUTED>                                      .43
<YIELD-ACTUAL>                                    8.03
<LOANS-NON>                                    277,000
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             1,735,599
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                            1,852,792
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0