<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               SEP-30-1996
<CASH>                                       2,598,500
<INT-BEARING-DEPOSITS>                          10,000
<FED-FUNDS-SOLD>                             2,350,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 11,118,402
<INVESTMENTS-CARRYING>                       7,594,347
<INVESTMENTS-MARKET>                         7,533,394
<LOANS>                                     31,893,984
<ALLOWANCE>                                    646,230
<TOTAL-ASSETS>                              57,171,801
<DEPOSITS>                                  50,693,953
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                            410,558
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     1,500,000
<OTHER-SE>                                   4,567,290
<TOTAL-LIABILITIES-AND-EQUITY>              57,171,801
<INTEREST-LOAN>                              2,237,317
<INTEREST-INVEST>                              614,488
<INTEREST-OTHER>                               188,231
<INTEREST-TOTAL>                             3,040,036
<INTEREST-DEPOSIT>                           1,415,576
<INTEREST-EXPENSE>                           1,428,217
<INTEREST-INCOME-NET>                        1,611,819
<LOAN-LOSSES>                                   90,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                795,260
<INCOME-PRETAX>                                890,297
<INCOME-PRE-EXTRAORDINARY>                     890,297
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   585,597
<EPS-PRIMARY>                                     1.95
<EPS-DILUTED>                                     1.95
<YIELD-ACTUAL>                                    4.36
<LOANS-NON>                                    321,428
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                602,130
<ALLOWANCE-OPEN>                               617,457
<CHARGE-OFFS>                                   71,227
<RECOVERIES>                                    10,000
<ALLOWANCE-CLOSE>                              646,230
<ALLOWANCE-DOMESTIC>                           646,230
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0