<ARTICLE> 9
<LEGEND>
THIS LEGEND CONTAINS SUMMARY INFORMATION EXTRACTED FROM THE FORM 10-K AND I
IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               DEC-31-1996
<CASH>                                       3,511,400
<INT-BEARING-DEPOSITS>                       1,877,846
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                               826,875
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                      68,787,012
<INVESTMENTS-MARKET>                        68,638,354
<LOANS>                                    233,898,424
<ALLOWANCE>                                    882,800
<TOTAL-ASSETS>                             310,992,047
<DEPOSITS>                                 255,153,961
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                          8,005,310
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        34,843
<OTHER-SE>                                  47,797,933
<TOTAL-LIABILITIES-AND-EQUITY>             310,992,047
<INTEREST-LOAN>                             18,612,355
<INTEREST-INVEST>                            4,635,436
<INTEREST-OTHER>                               135,996
<INTEREST-TOTAL>                            23,383,797
<INTEREST-DEPOSIT>                          12,374,093
<INTEREST-EXPENSE>                          12,374,093
<INTEREST-INCOME-NET>                       11,009,694
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                              87,112
<EXPENSE-OTHER>                              6,875,937
<INCOME-PRETAX>                              4,996,684
<INCOME-PRE-EXTRAORDINARY>                   4,996,684
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 3,288,101
<EPS-PRIMARY>                                     1.16
<EPS-DILUTED>                                     1.16
<YIELD-ACTUAL>                                    3.65
<LOANS-NON>                                  1,567,000
<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