<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEETS AND CONSOLIDATED STATEMENTS OF OPERATIONS AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               MAR-31-1996
<CASH>                                       6,614,059
<INT-BEARING-DEPOSITS>                             364
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 30,119,990
<INVESTMENTS-CARRYING>                      40,154,043
<INVESTMENTS-MARKET>                        40,037,126
<LOANS>                                    157,149,580
<ALLOWANCE>                                  2,592,628
<TOTAL-ASSETS>                             239,135,165
<DEPOSITS>                                 203,879,678
<SHORT-TERM>                                 2,596,353
<LIABILITIES-OTHER>                          1,890,667
<LONG-TERM>                                  2,500,000
<COMMON>                                     7,931,575
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                  20,336,892
<TOTAL-LIABILITIES-AND-EQUITY>             239,135,165
<INTEREST-LOAN>                              3,519,639
<INTEREST-INVEST>                            1,046,126
<INTEREST-OTHER>                                 9,087
<INTEREST-TOTAL>                             4,574,852
<INTEREST-DEPOSIT>                           1,847,622
<INTEREST-EXPENSE>                           1,921,461
<INTEREST-INCOME-NET>                        2,653,391
<LOAN-LOSSES>                                   15,000
<SECURITIES-GAINS>                              16,324
<EXPENSE-OTHER>                              1,766,217
<INCOME-PRETAX>                              1,178,873
<INCOME-PRE-EXTRAORDINARY>                     811,989
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   811,989
<EPS-PRIMARY>                                     1.28
<EPS-DILUTED>                                     1.28
<YIELD-ACTUAL>                                    4.64
<LOANS-NON>                                    841,872
<LOANS-PAST>                                   531,154
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                737,503
<ALLOWANCE-OPEN>                             2,614,190
<CHARGE-OFFS>                                   48,770
<RECOVERIES>                                    12,208
<ALLOWANCE-CLOSE>                            2,592,628
<ALLOWANCE-DOMESTIC>                         2,592,628
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0