<TABLE> <S> <C>

<ARTICLE> 9
<MULTIPLIER> 1
       
<S>                                                    <C>
<PERIOD-TYPE>                                          9-MOS
<FISCAL-YEAR-END>                                          DEC-31-1996
<PERIOD-START>                                             JAN-01-1996
<PERIOD-END>                                               SEP-30-1996
<CASH>                                                      13,599,628
<INT-BEARING-DEPOSITS>                                       2,202,217
<FED-FUNDS-SOLD>                                             2,460,000
<TRADING-ASSETS>                                                     0
<INVESTMENTS-HELD-FOR-SALE>                                 58,754,479
<INVESTMENTS-CARRYING>                                               0
<INVESTMENTS-MARKET>                                                 0
<LOANS>                                                    193,504,367
<ALLOWANCE>                                                  2,580,249
<TOTAL-ASSETS>                                             284,714,752
<DEPOSITS>                                                 232,814,184
<SHORT-TERM>                                                         0
<LIABILITIES-OTHER>                                          2,330,652
<LONG-TERM>                                                 22,496,416
<COMMON>                                                     1,263,745
<PREFERRED-MANDATORY>                                                0
<PREFERRED>                                                          0
<OTHER-SE>                                                  24,609,755
<TOTAL-LIABILITIES-AND-EQUITY>                             284,714,752
<INTEREST-LOAN>                                             13,342,168
<INTEREST-INVEST>                                            2,887,130
<INTEREST-OTHER>                                               259,353
<INTEREST-TOTAL>                                            16,488,651
<INTEREST-DEPOSIT>                                           7,492,701
<INTEREST-EXPENSE>                                           8,211,084
<INTEREST-INCOME-NET>                                        8,277,567
<LOAN-LOSSES>                                                  328,750
<SECURITIES-GAINS>                                             124,546
<EXPENSE-OTHER>                                              6,180,671
<INCOME-PRETAX>                                              3,688,872
<INCOME-PRE-EXTRAORDINARY>                                   2,424,986
<EXTRAORDINARY>                                                      0
<CHANGES>                                                            0
<NET-INCOME>                                                 2,424,986
<EPS-PRIMARY>                                                      .88
<EPS-DILUTED>                                                      .88
<YIELD-ACTUAL>                                                       0
<LOANS-NON>                                                          0
<LOANS-PAST>                                                         0
<LOANS-TROUBLED>                                                     0
<LOANS-PROBLEM>                                                      0
<ALLOWANCE-OPEN>                                                     0
<CHARGE-OFFS>                                                        0
<RECOVERIES>                                                         0
<ALLOWANCE-CLOSE>                                                    0
<ALLOWANCE-DOMESTIC>                                                 0
<ALLOWANCE-FOREIGN>                                                  0
<ALLOWANCE-UNALLOCATED>                                              0
        

</TABLE>