<ARTICLE> 9
       
                                                  
<PERIOD-TYPE>                   3-MOS                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1996             DEC-31-1995
<PERIOD-START>                             JAN-01-1996             JAN-01-1995
<PERIOD-END>                               MAR-31-1996             MAR-31-1995
<CASH>                                      11,273,097              13,305,505
<INT-BEARING-DEPOSITS>                               0                       0
<FED-FUNDS-SOLD>                             7,300,000               2,500,000
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                 56,340,118              63,737,909
<INVESTMENTS-CARRYING>                      58,291,919              39,924,078
<INVESTMENTS-MARKET>                        57,853,257              41,024,069
<LOANS>                                    155,191,032             160,433,831
<ALLOWANCE>                                  6,977,286               7,350,150
<TOTAL-ASSETS>                             297,140,206             287,483,252
<DEPOSITS>                                 252,512,223             252,788,462
<SHORT-TERM>                                21,922,446              12,276,415
<LIABILITIES-OTHER>                          1,243,320               1,031,315
<LONG-TERM>                                          0                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                     8,303,325               8,303,325
<OTHER-SE>                                  13,158,892              13,083,735
<TOTAL-LIABILITIES-AND-EQUITY>             297,140,206             287,483,252
<INTEREST-LOAN>                              3,641,350               3,467,820
<INTEREST-INVEST>                            1,776,963               1,635,471
<INTEREST-OTHER>                                43,353                  20,385
<INTEREST-TOTAL>                             5,461,666               5,123,676
<INTEREST-DEPOSIT>                           1,798,024               1,554,336
<INTEREST-EXPENSE>                           1,996,795               1,745,428
<INTEREST-INCOME-NET>                        3,494,871               3,378,248
<LOAN-LOSSES>                                   75,000                 525,000
<SECURITIES-GAINS>                                   0                     781
<EXPENSE-OTHER>                              3,618,429               3,444,534
<INCOME-PRETAX>                                889,871                 348,782
<INCOME-PRE-EXTRAORDINARY>                     889,871                 348,782
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                   564,871                 217,982
<EPS-PRIMARY>                                      .34                     .13
<EPS-DILUTED>                                        0                       0
<YIELD-ACTUAL>                                       0                       0
<LOANS-NON>                                          0                       0
<LOANS-PAST>                                         0                       0
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                     0                       0
<CHARGE-OFFS>                                        0                       0
<RECOVERIES>                                         0                       0
<ALLOWANCE-CLOSE>                                    0                       0
<ALLOWANCE-DOMESTIC>                                 0                       0
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0