<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               DEC-31-1996
<CASH>                                       8,282,683
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                             8,050,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 14,590,571
<INVESTMENTS-CARRYING>                      18,137,427
<INVESTMENTS-MARKET>                        18,213,864
<LOANS>                                     73,692,330
<ALLOWANCE>                                    738,353
<TOTAL-ASSETS>                             126,527,319
<DEPOSITS>                                 111,448,328
<SHORT-TERM>                                 3,280,586
<LIABILITIES-OTHER>                            852,650
<LONG-TERM>                                          0
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<COMMON>                                     4,944,870
<OTHER-SE>                                   6,000,885
<TOTAL-LIABILITIES-AND-EQUITY>             126,527,319
<INTEREST-LOAN>                              6,181,220
<INTEREST-INVEST>                            2,412,798
<INTEREST-OTHER>                                     0
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<INTEREST-DEPOSIT>                           2,830,713
<INTEREST-EXPENSE>                           2,830,713
<INTEREST-INCOME-NET>                        5,763,305
<LOAN-LOSSES>                                  340,000
<SECURITIES-GAINS>                              11,269
<EXPENSE-OTHER>                              4,849,168
<INCOME-PRETAX>                              1,005,713
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<EXTRAORDINARY>                                      0
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<EPS-PRIMARY>                                     0.98
<EPS-DILUTED>                                     0.95
<YIELD-ACTUAL>                                    5.39
<LOANS-NON>                                    528,000
<LOANS-PAST>                                    14,000
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<ALLOWANCE-OPEN>                               595,593
<CHARGE-OFFS>                                  248,855
<RECOVERIES>                                    51,615
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<ALLOWANCE-FOREIGN>                                  0
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