<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               SEP-30-1996
<CASH>                                       2,997,424
<INT-BEARING-DEPOSITS>                       4,396,085
<FED-FUNDS-SOLD>                                     0
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<INVESTMENTS-HELD-FOR-SALE>                 45,113,960
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<INVESTMENTS-MARKET>                       100,518,592
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<ALLOWANCE>                                    938,000
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<DEPOSITS>                                 298,621,642
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<LONG-TERM>                                 20,500,000
<COMMON>                                        13,630
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<OTHER-SE>                                  25,376,777
<TOTAL-LIABILITIES-AND-EQUITY>             390,909,951
<INTEREST-LOAN>                             10,434,522
<INTEREST-INVEST>                            8,989,663
<INTEREST-OTHER>                                     0
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<INTEREST-DEPOSIT>                           9,941,326
<INTEREST-EXPENSE>                          11,659,502
<INTEREST-INCOME-NET>                        7,764,683
<LOAN-LOSSES>                                  138,680
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<EXPENSE-OTHER>                              9,417,095
<INCOME-PRETAX>                                580,106
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<EXTRAORDINARY>                                      0
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<EPS-PRIMARY>                                      .30
<EPS-DILUTED>                                      .30
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<LOANS-NON>                                  1,033,000
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