<TABLE> <S> <C>

<ARTICLE> 9
       
    <S>                             <C>                     <C>                
    <C>
    <PERIOD-TYPE>                   3-MOS                   6-MOS              
    9-MOS
    <FISCAL-YEAR-END>                          DEC-31-1996            
DEC-31-1996             DEC-31-1996
    <PERIOD-END>                               MAR-31-1996            
JUN-30-1996             SEP-30-1996
    <CASH>                                         8294208               
14586764                  785846
    <INT-BEARING-DEPOSITS>                          200000                 
200000                       0
    <FED-FUNDS-SOLD>                              17880000               
14930000                15645000
    <TRADING-ASSETS>                                     0                     
 0                       0
    <INVESTMENTS-HELD-FOR-SALE>                          0                     
 0                       0
    <INVESTMENTS-CARRYING>                        29765340               
31505365                34114908
    <INVESTMENTS-MARKET>                          29721851               
31723649                33943626
    <LOANS>                                      103067470              
108979084               113409379
    <ALLOWANCE>                                    2005745                
2058505                 2133184
    <TOTAL-ASSETS>                               163598882              
173590671               178832720
    <DEPOSITS>                                   144561624              
153981980               158038885
    <SHORT-TERM>                                         0                     
 0                       0
    <LIABILITIES-OTHER>                            1910889                
1600279                 1746838
    <LONG-TERM>                                          0                     
 0                       0
    <COMMON>                                         15276                  
15276                   15276
    <PREFERRED-MANDATORY>                                0                     
 0                       0
    <PREFERRED>                                          0                     
 0                       0
    <OTHER-SE>                                    17111093               
17993136                19031721
    <TOTAL-LIABILITIES-AND-EQUITY>               163598882              
173590671               178832720
    <INTEREST-LOAN>                                2904741                
5835753                 8858787
    <INTEREST-INVEST>                               583781                
1213455                 1985859
    <INTEREST-OTHER>                                     0                     
 0                       0
    <INTEREST-TOTAL>                               3488522                
7049208                10844646
    <INTEREST-DEPOSIT>                             1246676                
2531070                 3880035
    <INTEREST-EXPENSE>                             1246676                
2531070                 3880035
    <INTEREST-INCOME-NET>                          2241846                
4518138                 6739611
    <LOAN-LOSSES>                                    75000                 
150000                  225000
    <SECURITIES-GAINS>                                   0                     
 0                       0
    <EXPENSE-OTHER>                                 997999                
2057799                 3065948
    <INCOME-PRETAX>                                1431984                
2869236                 4468621
    <INCOME-PRE-EXTRAORDINARY>                     1431984                
2869236                 4468621
    <EXTRAORDINARY>                                      0                     
 0                       0
    <CHANGES>                                            0                     
 0                       0
    <NET-INCOME>                                    932984                
1840272                 2878857
    <EPS-PRIMARY>                                      .68                   
1.33                    2.09
    <EPS-DILUTED>                                      .65                   
1.28                    2.01
    <YIELD-ACTUAL>                                    8.59                   
8.49                    8.41
    <LOANS-NON>                                     136005                  
42569                   20113
    <LOANS-PAST>                                         0                  
67320                       0
    <LOANS-TROUBLED>                                     0                  
90100                   88971
    <LOANS-PROBLEM>                                      0                     
 0                       0
    <ALLOWANCE-OPEN>                               1953189                
1953189                 1953189
    <CHARGE-OFFS>                                    24981                  
54712                   61669
    <RECOVERIES>                                      2537                  
10028                   16664
    <ALLOWANCE-CLOSE>                              2005745                
2058505                 2133184
    <ALLOWANCE-DOMESTIC>                            230000                 
224000                 2800000
    <ALLOWANCE-FOREIGN>                                  0                     
 0                       0
    <ALLOWANCE-UNALLOCATED>                        1775745                
1834505                 1853184