<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
This  schedule  contains  summary  financial   information  extracted  from  the
Consolidated  Statement  of  Financial  Condition  at December  31, 1995 and the
Consolidated  Statement  of Income for the Year Ended  December  31, 1995 and is
qualified in its entirety by reference to such financial statements.
</LEGEND>
<MULTIPLIER>                    1
       
<S>                                            <C>
<PERIOD-TYPE>                                   YEAR
<FISCAL-YEAR-END>                                              DEC-31-1995
<PERIOD-END>                                                   DEC-31-1995
<CASH>                                                          10,979,878
<INT-BEARING-DEPOSITS>                                                   0
<FED-FUNDS-SOLD>                                                 6,270,000
<TRADING-ASSETS>                                                         0
<INVESTMENTS-HELD-FOR-SALE>                                     12,815,394
<INVESTMENTS-CARRYING>                                           9,319,839
<INVESTMENTS-MARKET>                                             9,333,599
<LOANS>                                                         92,808,595
<ALLOWANCE>                                                      1,784,508
<TOTAL-ASSETS>                                                 133,422,628
<DEPOSITS>                                                     117,762,790
<SHORT-TERM>                                                     2,193,398
<LIABILITIES-OTHER>                                              1,587,302
<LONG-TERM>                                                              0
<PREFERRED-MANDATORY>                                                    0
<PREFERRED>                                                              0
<COMMON>                                                        11,830,145
<OTHER-SE>                                                          48,993
<TOTAL-LIABILITIES-AND-EQUITY>                                 133,422,628
<INTEREST-LOAN>                                                  7,723,855
<INTEREST-INVEST>                                                1,361,008
<INTEREST-OTHER>                                                   148,778
<INTEREST-TOTAL>                                                 9,233,641
<INTEREST-DEPOSIT>                                               4,008,427
<INTEREST-EXPENSE>                                               4,124,563
<INTEREST-INCOME-NET>                                            5,109,078
<LOAN-LOSSES>                                                      195,000
<SECURITIES-GAINS>                                                       0
<EXPENSE-OTHER>                                                  4,575,822
<INCOME-PRETAX>                                                  1,807,598
<INCOME-PRE-EXTRAORDINARY>                                       1,807,598
<EXTRAORDINARY>                                                          0
<CHANGES>                                                                0
<NET-INCOME>                                                     1,381,471
<EPS-PRIMARY>                                                         1.00
<EPS-DILUTED>                                                         1.00
<YIELD-ACTUAL>                                                        4.81
<LOANS-NON>                                                         66,739
<LOANS-PAST>                                                        15,853
<LOANS-TROUBLED>                                                         0
<LOANS-PROBLEM>                                                          0
<ALLOWANCE-OPEN>                                                 1,593,771
<CHARGE-OFFS>                                                       93,871
<RECOVERIES>                                                        89,608
<ALLOWANCE-CLOSE>                                                1,784,508
<ALLOWANCE-DOMESTIC>                                             1,611,025
<ALLOWANCE-FOREIGN>                                                      0
<ALLOWANCE-UNALLOCATED>                                            173,483
        

</TABLE>