<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
COMPANY'S CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED DECEMBER 31,
1996, AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS
INCLUDED AS PART OF EXHIBIT 13 TO THIS FORM 10-KSB.
</LEGEND>

<S>                             <C>
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               DEC-31-1996
<CASH>                                       1,385,896
<INT-BEARING-DEPOSITS>                         255,152
<FED-FUNDS-SOLD>                             8,280,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  5,102,326
<INVESTMENTS-CARRYING>                       3,622,528
<INVESTMENTS-MARKET>                         3,695,352
<LOANS>                                     23,382,204
<ALLOWANCE>                                    213,969
<TOTAL-ASSETS>                              43,234,750
<DEPOSITS>                                  38,016,503
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                            590,480
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                       377,786
<OTHER-SE>                                   4,249,981
<TOTAL-LIABILITIES-AND-EQUITY>              43,234,750
<INTEREST-LOAN>                              2,433,258
<INTEREST-INVEST>                              493,556
<INTEREST-OTHER>                               127,139
<INTEREST-TOTAL>                             3,053,953
<INTEREST-DEPOSIT>                           1,065,545
<INTEREST-EXPENSE>                           1,065,545
<INTEREST-INCOME-NET>                        1,988,408
<LOAN-LOSSES>                                   90,000
<SECURITIES-GAINS>                              15,179
<EXPENSE-OTHER>                              1,272,510
<INCOME-PRETAX>                              1,194,799
<INCOME-PRE-EXTRAORDINARY>                   1,194,799
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   828,148
<EPS-PRIMARY>                                     1.78
<EPS-DILUTED>                                     1.78
<YIELD-ACTUAL>                                    6.45
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                410,000
<ALLOWANCE-OPEN>                               196,669
<CHARGE-OFFS>                                   88,223
<RECOVERIES>                                    15,523
<ALLOWANCE-CLOSE>                              213,969
<ALLOWANCE-DOMESTIC>                           130,969
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                         83,000


</TABLE>