<TABLE> <S> <C>

<ARTICLE> 9

<S>                             <C>                     <C>                     <C>                     <C>
<PERIOD-TYPE>                   3-MOS                   6-MOS                   9-MOS                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1996             DEC-31-1996             DEC-31-1996             DEC-31-1997
<PERIOD-START>                             JAN-01-1996             JAN-01-1996             JAN-01-1996             JAN-01-1996
<PERIOD-END>                               MAR-31-1996             JUN-30-1996             SEP-30-1996             DEC-31-1996
<CASH>                                      12,722,798              13,545,102              14,801,613              13,958,201
<INT-BEARING-DEPOSITS>                               0                       0             411,502,915                       0
<FED-FUNDS-SOLD>                                     0               1,000,000                       0                       0
<TRADING-ASSETS>                                     0                       0                       0                       0
<INVESTMENTS-HELD-FOR-SALE>                144,798,517             149,876,618             157,956,741             159,209,293
<INVESTMENTS-CARRYING>                               0                       0                       0                       0
<INVESTMENTS-MARKET>                                 0                       0                       0                       0
<LOANS>                                    328,712,547             333,465,000             354,774,471             380,160,315
<ALLOWANCE>                                  5,170,000               5,400,000               5,642,377               5,942,377
<TOTAL-ASSETS>                             492,247,618             504,123,558             534,071,881             559,725,800
<DEPOSITS>                                 409,353,994             430,533,806             450,357,148             470,743,092
<SHORT-TERM>                                41,838,485              31,355,031              39,829,330              42,330,560
<LIABILITIES-OTHER>                          4,692,894               6,011,663               5,264,972               5,062,044
<LONG-TERM>                                          0                       0                       0                       0
<PREFERRED-MANDATORY>                                0                       0                       0                       0
<PREFERRED>                                          0                       0                       0                       0
<COMMON>                                       888,864                 942,024                 942,025                 948,754
<OTHER-SE>                                  35,473,381              35,281,034              37,678,406              40,641,350
<TOTAL-LIABILITIES-AND-EQUITY>             492,247,618             504,123,558             534,071,881             559,725,800
<INTEREST-LOAN>                              7,135,601              14,404,668              21,995,899              29,899,157
<INTEREST-INVEST>                            2,219,276               4,545,589               7,044,914               9,739,761
<INTEREST-OTHER>                                 8,209                  55,078                  75,353                       0
<INTEREST-TOTAL>                             9,363,086              19,005,335              29,116,166              39,638,918
<INTEREST-DEPOSIT>                           4,825,083               9,709,441              14,946,819              20,450,873
<INTEREST-EXPENSE>                           5,329,878              10,669,784              16,378,764              22,305,224
<INTEREST-INCOME-NET>                        4,033,208               8,335,551              12,737,402              17,333,694
<LOAN-LOSSES>                                  210,000                 440,000                 680,000                 980,000
<SECURITIES-GAINS>                              26,523                  27,926                (55,433)                (55,434)
<EXPENSE-OTHER>                              2,032,807               4,215,993               6,489,947               8,821,109
<INCOME-PRETAX>                              2,017,232               4,145,460               6,222,232               8,406,878
<INCOME-PRE-EXTRAORDINARY>                   2,017,232               4,145,460               6,222,232               8,406,878
<EXTRAORDINARY>                                      0                       0                       0                       0
<CHANGES>                                            0                       0                       0                       0
<NET-INCOME>                                 1,366,232               4,145,460               4,246,232               5,725,878
<EPS-PRIMARY>                                      .73                    1.50                    2.25                    3.04
<EPS-DILUTED>                                      .70                    1.44                    2.17                    2.94
<YIELD-ACTUAL>                                   3.513                   3.587                   3.571                    3.59
<LOANS-NON>                                    135,000                  74,645                 225,849                 217,000
<LOANS-PAST>                                    50,000                   9,827                  14,191                 237,000
<LOANS-TROUBLED>                                     0                       0                       0                       0
<LOANS-PROBLEM>                                      0                       0                       0                       0
<ALLOWANCE-OPEN>                             4,960,000               4,960,000               4,960,000               4,960,000
<CHARGE-OFFS>                                        0                       0                       0                       0
<RECOVERIES>                                         0                       0                   2,377                   2,000
<ALLOWANCE-CLOSE>                            5,170,000               5,400,000               5,642,377               5,942,000
<ALLOWANCE-DOMESTIC>                         3,663,785               4,195,657               4,816,698               3,058,000
<ALLOWANCE-FOREIGN>                                  0                       0                       0                       0
<ALLOWANCE-UNALLOCATED>                      1,506,215               1,204,343                 825,679               2,884,000


</TABLE>