<ARTICLE> 9
<MULTIPLIER> 1
<CURRENCY> US DOLLARS
       
                                                  
<PERIOD-TYPE>                   6-MOS                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1995             DEC-31-1995
<PERIOD-START>                             JAN-01-1996             JAN-01-1995
<PERIOD-END>                               JUN-30-1996             DEC-31-1995
<EXCHANGE-RATE>                                      1                       1
<CASH>                                      11,403,209              16,166,689
<INT-BEARING-DEPOSITS>                               0                       0
<FED-FUNDS-SOLD>                               225,000               2,265,000
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                 58,003,129              63,890,813
<INVESTMENTS-CARRYING>                      28,925,982              29,026,216
<INVESTMENTS-MARKET>                        28,742,172              29,186,580
<LOANS>                                    185,839,970             180,819,008
<ALLOWANCE>                                  1,596,965               2,013,996
<TOTAL-ASSETS>                             296,605,012             303,533,339
<DEPOSITS>                                 259,087,303             261,727,319
<SHORT-TERM>                                11,935,384              15,851,384
<LIABILITIES-OTHER>                          2,130,430               2,479,644
<LONG-TERM>                                          0                       0
<COMMON>                                     2,400,000               2,400,000
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<OTHER-SE>                                  21,051,895              21,074,992
<TOTAL-LIABILITIES-AND-EQUITY>             296,605,012             303,533,339
<INTEREST-LOAN>                              8,642,619              16,321,505
<INTEREST-INVEST>                            2,602,246               4,890,152
<INTEREST-OTHER>                                33,333                 156,350
<INTEREST-TOTAL>                            11,278,198              21,368,007
<INTEREST-DEPOSIT>                           5,389,555              10,257,286
<INTEREST-EXPENSE>                           5,849,895              11,248,607
<INTEREST-INCOME-NET>                        5,428,303              10,119,400
<LOAN-LOSSES>                                  500,000                 684,000
<SECURITIES-GAINS>                              12,998                  97,940
<EXPENSE-OTHER>                              1,501,893               2,800,357
<INCOME-PRETAX>                              1,491,809               3,234,446
<INCOME-PRE-EXTRAORDINARY>                   1,111,286               2,352,826
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                 1,111,286               2,352,826
<EPS-PRIMARY>                                      .51                    1.09
<EPS-DILUTED>                                      .51                    1.09
<YIELD-ACTUAL>                                    4.23                    4.15
<LOANS-NON>                                  1,022,000               1,127,000
<LOANS-PAST>                                   279,000               1,088,000
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                             2,013,996               1,704,281
<CHARGE-OFFS>                                  937,870                 536,865
<RECOVERIES>                                    20,839                 162,580
<ALLOWANCE-CLOSE>                            1,596,965               2,013,996
<ALLOWANCE-DOMESTIC>                           965,000               1,423,000
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                        631,965                 590,996