<ARTICLE> 9
<MULTIPLIER>  1
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               SEP-30-1996
<CASH>                                       8,305,483
<INT-BEARING-DEPOSITS>                       1,023,752
<FED-FUNDS-SOLD>                            17,600,000 
<TRADING-ASSETS>                                     0
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<INVESTMENTS-CARRYING>                     111,915,025
<INVESTMENTS-MARKET>                       111,842,746
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<ALLOWANCE>                                  9,751,911
<TOTAL-ASSETS>                             346,355,659
<DEPOSITS>                                 245,287,302
<SHORT-TERM>                                   631,000
<LIABILITIES-OTHER>                         12,849,847
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<COMMON>                                    13,334,672
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<INTEREST-DEPOSIT>                           7,254,955
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<INTEREST-INCOME-NET>                       18,616,588
<LOAN-LOSSES>                                        0
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<EPS-PRIMARY>                                      .92
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<YIELD-ACTUAL>                                    7.32
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