<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               SEP-30-1996
<CASH>                                         505,385
<INT-BEARING-DEPOSITS>                       2,188,323
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    644,325
<INVESTMENTS-CARRYING>                       2,721,789
<INVESTMENTS-MARKET>                         2,705,879
<LOANS>                                     52,940,567
<ALLOWANCE>                                    118,000
<TOTAL-ASSETS>                              59,897,657
<DEPOSITS>                                  43,486,369
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                          1,046,242
<LONG-TERM>                                    261,375
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        10,000
<OTHER-SE>                                  15,093,671
<TOTAL-LIABILITIES-AND-EQUITY>              59,897,657
<INTEREST-LOAN>                              3,016,521
<INTEREST-INVEST>                              120,480
<INTEREST-OTHER>                                69,757
<INTEREST-TOTAL>                             3,206,258
<INTEREST-DEPOSIT>                           1,586,437
<INTEREST-EXPENSE>                           1,600,480
<INTEREST-INCOME-NET>                        1,605,778
<LOAN-LOSSES>                                   18,000
<SECURITIES-GAINS>                             281,616
<EXPENSE-OTHER>                              1,043,534
<INCOME-PRETAX>                                863,794
<INCOME-PRE-EXTRAORDINARY>                     863,794
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   564,056
<EPS-PRIMARY>                                      .61
<EPS-DILUTED>                                      .61
<YIELD-ACTUAL>                                    3.70
<LOANS-NON>                                    340,000
<LOANS-PAST>                                   539,000
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               100,000
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                              118,000
<ALLOWANCE-DOMESTIC>                           118,000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0