<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               SEP-30-1996
<CASH>                                       3,512,555
<INT-BEARING-DEPOSITS>                         412,918
<FED-FUNDS-SOLD>                                     0
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<INVESTMENTS-CARRYING>                         892,342
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<SHORT-TERM>                                21,000,000
<LIABILITIES-OTHER>                          1,198,606
<LONG-TERM>                                 31,995,389
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<INTEREST-LOAN>                              7,961,209
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<INTEREST-EXPENSE>                           4,438,358
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<SECURITIES-GAINS>                                   0
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<INCOME-PRETAX>                              1,753,784
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<EPS-PRIMARY>                                      .56
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