<ARTICLE> 9
<MULTIPLIER> 1
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               SEP-30-1996
<CASH>                                       7,633,763
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                             9,655,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  3,378,675
<INVESTMENTS-CARRYING>                      68,697,140
<INVESTMENTS-MARKET>                        69,571,000
<LOANS>                                     80,106,731
<ALLOWANCE>                                  1,185,779
<TOTAL-ASSETS>                             174,232,950
<DEPOSITS>                                 145,012,352
<SHORT-TERM>                                 3,613,371
<LIABILITIES-OTHER>                            989,660
<LONG-TERM>                                          0
<COMMON>                                     9,156,510
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                  15,461,057
<TOTAL-LIABILITIES-AND-EQUITY>             174,232,950
<INTEREST-LOAN>                              5,392,831
<INTEREST-INVEST>                            3,812,356
<INTEREST-OTHER>                               288,257
<INTEREST-TOTAL>                             9,493,444
<INTEREST-DEPOSIT>                           3,493,595
<INTEREST-EXPENSE>                           3,575,916
<INTEREST-INCOME-NET>                        5,917,528
<LOAN-LOSSES>                                  135,000
<SECURITIES-GAINS>                              21,097
<EXPENSE-OTHER>                              4,169,388
<INCOME-PRETAX>                              2,216,730
<INCOME-PRE-EXTRAORDINARY>                   1,721,832
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 1,721,832
<EPS-PRIMARY>                                     1.89
<EPS-DILUTED>                                     1.89
<YIELD-ACTUAL>                                    5.30
<LOANS-NON>                                     97,617
<LOANS-PAST>                                    92,918
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                              1,944,745
<ALLOWANCE-OPEN>                             1,046,542
<CHARGE-OFFS>                                   42,927
<RECOVERIES>                                    47,164
<ALLOWANCE-CLOSE>                            1,185,779
<ALLOWANCE-DOMESTIC>                           155,045
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                      1,030,734