<ARTICLE> 9
<MULTIPLIER> 1
<CURRENCY> U.S. DOLLARS
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               MAR-31-1996
<EXCHANGE-RATE>                                      1
<CASH>                                      21,717,184
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                             5,500,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 48,772,692
<INVESTMENTS-CARRYING>                      74,221,965
<INVESTMENTS-MARKET>                        75,900,188
<LOANS>                                    302,854,729
<ALLOWANCE>                                  4,847,378
<TOTAL-ASSETS>                             463,898,559
<DEPOSITS>                                 379,774,500
<SHORT-TERM>                                 3,699,480
<LIABILITIES-OTHER>                          4,757,325
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     5,987,337
<OTHER-SE>                                  69,679,917
<TOTAL-LIABILITIES-AND-EQUITY>             463,898,559
<INTEREST-LOAN>                              7,552,316
<INTEREST-INVEST>                            1,809,804
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                             9,362,120
<INTEREST-DEPOSIT>                           3,483,711
<INTEREST-EXPENSE>                           3,527,958
<INTEREST-INCOME-NET>                        5,834,162
<LOAN-LOSSES>                                  185,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              2,435,634
<INCOME-PRETAX>                              4,461,441
<INCOME-PRE-EXTRAORDINARY>                   2,946,441
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 2,946,441
<EPS-PRIMARY>                                      .33
<EPS-DILUTED>                                      .33
<YIELD-ACTUAL>                                       0
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                     0
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                    0
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0