<TABLE> <S> <C>
                                             
<ARTICLE>                                          9
       
<S>                                                <C>
<PERIOD-TYPE>                                      YEAR
<FISCAL-YEAR-END>                                  DEC-31-1996
<PERIOD-END>                                       DEC-31-1996
<CASH>                                                    198,154
<INT-BEARING-DEPOSITS>                                  4,016,032
<FED-FUNDS-SOLD>                                                0
<TRADING-ASSETS>                                                0
<INVESTMENTS-HELD-FOR-SALE>                             6,097,627
<INVESTMENTS-CARRYING>                                 10,227,119
<INVESTMENTS-MARKET>                                   10,230,574
<LOANS>                                                16,711,562
<ALLOWANCE>                                               182,079
<TOTAL-ASSETS>                                         38,145,499
<DEPOSITS>                                             27,973,147
<SHORT-TERM>                                            5,050,000
<LIABILITIES-OTHER>                                       227,505
<LONG-TERM>                                                     0
<PREFERRED-MANDATORY>                                           0
<PREFERRED>                                                     0
<COMMON>                                                  597,082
<OTHER-SE>                                              4,297,765
<TOTAL-LIABILITIES-AND-EQUITY>                         38,145,499
<INTEREST-LOAN>                                         1,923,831
<INTEREST-INVEST>                                         806,615
<INTEREST-OTHER>                                          211,698
<INTEREST-TOTAL>                                        2,942,144
<INTEREST-DEPOSIT>                                      1,182,452
<INTEREST-EXPENSE>                                      1,225,116
<INTEREST-INCOME-NET>                                   1,717,028
<LOAN-LOSSES>                                             125,000
<SECURITIES-GAINS>                                         16,063
<EXPENSE-OTHER>                                         1,500,996
<INCOME-PRETAX>                                           194,264
<INCOME-PRE-EXTRAORDINARY>                                194,264
<EXTRAORDINARY>                                                 0
<CHANGES>                                                       0
<NET-INCOME>                                              126,269
<EPS-PRIMARY>                                                0.21
<EPS-DILUTED>                                                0.21
<YIELD-ACTUAL>                                               6.11
<LOANS-NON>                                               120,985
<LOANS-PAST>                                              190,879
<LOANS-TROUBLED>                                                0
<LOANS-PROBLEM>                                                 0
<ALLOWANCE-OPEN>                                           60,000
<CHARGE-OFFS>                                               2,921
<RECOVERIES>                                                    0
<ALLOWANCE-CLOSE>                                         182,079
<ALLOWANCE-DOMESTIC>                                            0
<ALLOWANCE-FOREIGN>                                             0
<ALLOWANCE-UNALLOCATED>                                   182,079
        

</TABLE>