<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
This schedule contains summary financial information extracted from the
consolidated condensed statement of financial condition and the consolidated
condensed statement of income 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-START>                                  JAN-01-1996
<PERIOD-END>                                    SEP-30-1996
<CASH>                                            1,013,779
<INT-BEARING-DEPOSITS>                            2,092,437
<FED-FUNDS-SOLD>                                          0
<TRADING-ASSETS>                                          0
<INVESTMENTS-HELD-FOR-SALE>                      21,893,884
<INVESTMENTS-CARRYING>                            6,498,658
<INVESTMENTS-MARKET>                              6,529,221
<LOANS>                                         160,384,650
<ALLOWANCE>                                       1,905,931
<TOTAL-ASSETS>                                  197,921,008
<DEPOSITS>                                      129,458,652
<SHORT-TERM>                                      7,500,000
<LIABILITIES-OTHER>                               1,893,259
<LONG-TERM>                                       3,000,000
<PREFERRED-MANDATORY>                                     0
<PREFERRED>                                               0
<COMMON>                                             40,111
<OTHER-SE>                                       56,028,986
<TOTAL-LIABILITIES-AND-EQUITY>                  197,921,008
<INTEREST-LOAN>                                   9,714,828
<INTEREST-INVEST>                                 1,421,624
<INTEREST-OTHER>                                          0
<INTEREST-TOTAL>                                 11,136,452
<INTEREST-DEPOSIT>                                4,652,589
<INTEREST-EXPENSE>                                5,116,534
<INTEREST-INCOME-NET>                             6,019,918
<LOAN-LOSSES>                                       180,000
<SECURITIES-GAINS>                                   13,774
<EXPENSE-OTHER>                                   3,872,322
<INCOME-PRETAX>                                   3,372,178
<INCOME-PRE-EXTRAORDINARY>                        3,372,178
<EXTRAORDINARY>                                           0
<CHANGES>                                                 0
<NET-INCOME>                                      2,162,579
<EPS-PRIMARY>                                           .56
<EPS-DILUTED>                                           .56
<YIELD-ACTUAL>                                         8.02
<LOANS-NON>                                         287,000
<LOANS-PAST>                                              0
<LOANS-TROUBLED>                                          0
<LOANS-PROBLEM>                                           0
<ALLOWANCE-OPEN>                                  1,735,599
<CHARGE-OFFS>                                         9,000
<RECOVERIES>                                              0
<ALLOWANCE-CLOSE>                                 1,905,931
<ALLOWANCE-DOMESTIC>                                      0
<ALLOWANCE-FOREIGN>                                       0
<ALLOWANCE-UNALLOCATED>                                   0
        







</TABLE>