<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information from the
Consolidated Balance Sheets at September 30, 1996 (Unaudited) and the
Consolidated Statements of Operations for the Nine Months Ended
September 30, 1996 (Unaudited) and is qualified in its entirety by
reference to such financial statements.
</LEGEND>
       
<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               SEP-30-1996
<CASH>                                       3,631,473
<INT-BEARING-DEPOSITS>                       1,046,622
<FED-FUNDS-SOLD>                             4,855,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 19,589,607
<INVESTMENTS-CARRYING>                         634,340
<INVESTMENTS-MARKET>                           634,340
<LOANS>                                     94,200,158
<ALLOWANCE>                                  1,398,461
<TOTAL-ASSETS>                             127,247,409
<DEPOSITS>                                 111,578,525
<SHORT-TERM>                                 2,444,786
<LIABILITIES-OTHER>                            996,338
<LONG-TERM>                                  1,000,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     1,270,979
<OTHER-SE>                                   9,956,781
<TOTAL-LIABILITIES-AND-EQUITY>             127,247,409
<INTEREST-LOAN>                              6,398,097
<INTEREST-INVEST>                              974,057
<INTEREST-OTHER>                               269,021
<INTEREST-TOTAL>                             7,641,175
<INTEREST-DEPOSIT>                           3,486,144
<INTEREST-EXPENSE>                           3,642,767
<INTEREST-INCOME-NET>                        3,998,408
<LOAN-LOSSES>                                  313,100
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              3,217,945
<INCOME-PRETAX>                              1,210,282
<INCOME-PRE-EXTRAORDINARY>                   1,210,282
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   746,282
<EPS-PRIMARY>                                      .56
<EPS-DILUTED>                                      .56
<YIELD-ACTUAL>                                    4.70
<LOANS-NON>                                          0
<LOANS-PAST>                                    93,696
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             1,067,584
<CHARGE-OFFS>                                  201,944
<RECOVERIES>                                   162,721
<ALLOWANCE-CLOSE>                            1,398,461
<ALLOWANCE-DOMESTIC>                         1,398,461
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>