WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.

<TABLE> <S> <C>

<ARTICLE> 9
       
<S>                             <C>                     <C>
<PERIOD-TYPE>                   3-MOS                   YEAR
<FISCAL-YEAR-END>                                                  DEC-31-1996
<PERIOD-END>                                                       DEC-31-1996
<CASH>                                                               8,323,677
<INT-BEARING-DEPOSITS>                                                  38,296
<FED-FUNDS-SOLD>                                                     8,000,000
<TRADING-ASSETS>                                                             0
<INVESTMENTS-HELD-FOR-SALE>                                         56,120,310
<INVESTMENTS-CARRYING>                                              30,930,765
<INVESTMENTS-MARKET>                                                31,477,028
<LOANS>                                                            106,985,219
<ALLOWANCE>                                                          1,620,078
<TOTAL-ASSETS>                                                     214,761,753
<DEPOSITS>                                                         186,422,481
<SHORT-TERM>                                                               593
<LIABILITIES-OTHER>                                                    591,858
<LONG-TERM>                                                                  0
<PREFERRED-MANDATORY>                                                        0
<PREFERRED>                                                                  0
<COMMON>                                                             4,000,000
<OTHER-SE>                                                          23,746,821
<TOTAL-LIABILITIES-AND-EQUITY>                                     214,761,753
<INTEREST-LOAN>                              2,372,590               9,541,140
<INTEREST-INVEST>                            1,396,579               5,369,374
<INTEREST-OTHER>                               100,601                 394,446
<INTEREST-TOTAL>                             3,869,770              15,304,960
<INTEREST-DEPOSIT>                           1,733,765               6,913,911
<INTEREST-EXPENSE>                           1,735,255               6,924,405
<INTEREST-INCOME-NET>                        2,134,515               8,380,555
<LOAN-LOSSES>                                   80,000                 220,000
<SECURITIES-GAINS>                                   0                       0
<EXPENSE-OTHER>                              1,338,756               4,561,368
<INCOME-PRETAX>                                890,147               4,316,163
<INCOME-PRE-EXTRAORDINARY>                     890,147               4,316,163
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                   641,279               3,045,158
<EPS-PRIMARY><F1>                                 0.40                    1.90
<EPS-DILUTED><F1>                                 0.40                    1.90
<YIELD-ACTUAL>                                                            4.20
<LOANS-NON>                                                            679,914
<LOANS-PAST>                                                           556,622
<LOANS-TROUBLED>                                                             0
<LOANS-PROBLEM>                                                      1,700,204
<ALLOWANCE-OPEN>                                                     1,505,159
<CHARGE-OFFS>                                                          126,868
<RECOVERIES>                                                            21,787
<ALLOWANCE-CLOSE>                                                    1,620,078
<ALLOWANCE-DOMESTIC>                                                 1,293,011
<ALLOWANCE-FOREIGN>                                                          0
<ALLOWANCE-UNALLOCATED>                                                327,067
<FN>
<F1>Per share figures have been adjusted to reflect the 2 for 1 stock split
effected through the 100% stock dividend declared in January 1997.
        


</TABLE>