<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               SEP-30-1996
<CASH>                                       2,902,188
<INT-BEARING-DEPOSITS>                       1,504,666
<FED-FUNDS-SOLD>                               700,000
<TRADING-ASSETS>                               740,750
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                      76,213,079
<INVESTMENTS-MARKET>                        76,629,446
<LOANS>                                    219,535,052
<ALLOWANCE>                                    882,800
<TOTAL-ASSETS>                             307,772,487
<DEPOSITS>                                 252,968,882
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                          7,103,935
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        34,828
<OTHER-SE>                                  47,664,842
<TOTAL-LIABILITIES-AND-EQUITY>             307,772,487
<INTEREST-LOAN>                             13,814,472
<INTEREST-INVEST>                            3,545,132
<INTEREST-OTHER>                               100,156
<INTEREST-TOTAL>                            17,459,760
<INTEREST-DEPOSIT>                           9,250,956
<INTEREST-EXPENSE>                                   0
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<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                              (2,819)
<EXPENSE-OTHER>                              5,535,051
<INCOME-PRETAX>                              3,241,505
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<EXTRAORDINARY>                                      0
<CHANGES>                                            0
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<EPS-PRIMARY>                                     0.75
<EPS-DILUTED>                                     0.75
<YIELD-ACTUAL>                                    3.63
<LOANS-NON>                                  1,619,200
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               882,800
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                              882,800
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        882,800