<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               DEC-31-1996
<CASH>                                       2,533,868
<INT-BEARING-DEPOSITS>                         499,000
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  8,862,069
<INVESTMENTS-CARRYING>                       2,630,337
<INVESTMENTS-MARKET>                         2,571,777
<LOANS>                                     27,733,520
<ALLOWANCE>                                    264,800
<TOTAL-ASSETS>                              43,449,458
<DEPOSITS>                                  38,742,444
<SHORT-TERM>                                 1,233,000
<LIABILITIES-OTHER>                            331,772
<LONG-TERM>                                          0
<COMMON>                                     1,212,000
<PREFERRED-MANDATORY>                                0
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<OTHER-SE>                                   1,930,242
<TOTAL-LIABILITIES-AND-EQUITY>              43,449,458
<INTEREST-LOAN>                              1,811,630
<INTEREST-INVEST>                              578,950
<INTEREST-OTHER>                                42,253
<INTEREST-TOTAL>                             2,432,833
<INTEREST-DEPOSIT>                           1,125,215
<INTEREST-EXPENSE>                           1,143,492
<INTEREST-INCOME-NET>                        1,289,341
<LOAN-LOSSES>                                   95,000
<SECURITIES-GAINS>                               7,383
<EXPENSE-OTHER>                              1,104,384
<INCOME-PRETAX>                                276,459
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<EXTRAORDINARY>                                      0
<CHANGES>                                            0
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<EPS-PRIMARY>                                     1.73
<EPS-DILUTED>                                     1.73
<YIELD-ACTUAL>                                    4.33
<LOANS-NON>                                     35,756
<LOANS-PAST>                                    36,396
<LOANS-TROUBLED>                                     0
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<ALLOWANCE-OPEN>                               252,174
<CHARGE-OFFS>                                  104,718
<RECOVERIES>                                    22,344
<ALLOWANCE-CLOSE>                              264,800
<ALLOWANCE-DOMESTIC>                           264,800
<ALLOWANCE-FOREIGN>                                  0
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