<ARTICLE>                                            9
       
                                            
<PERIOD-TYPE>                                  3-MOS
<FISCAL-YEAR-END>                              DEC-31-1996
<PERIOD-END>                                   MAR-31-1996
<CASH>                                         5,249,029
<INT-BEARING-DEPOSITS>                         95,865,529
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<TRADING-ASSETS>                               0
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<OTHER-SE>                                     11,183,871
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<INTEREST-OTHER>                               0
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<INTEREST-EXPENSE>                             1,173,814
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<LOAN-LOSSES>                                  41,250
<SECURITIES-GAINS>                             25,000
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<EPS-PRIMARY>                                  .44
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<ALLOWANCE-UNALLOCATED>                        743,329