<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
This  schedule  contains  summary  financial   information  extracted  from  the
Consolidated  Balance Sheet at December 31, 1996 and the Consolidated  Statement
of  Operations  for the Year Ended  December  31, 1996 and is  qualified  in its
entirety by reference to such financial statements.
</LEGEND>
<MULTIPLIER>                    1
       
<S>                                            <C>
<PERIOD-TYPE>                                   YEAR
<FISCAL-YEAR-END>                                              DEC-31-1996
<PERIOD-END>                                                   DEC-31-1996
<CASH>                                                           9,441,553
<INT-BEARING-DEPOSITS>                                                   0
<FED-FUNDS-SOLD>                                                 3,650,000
<TRADING-ASSETS>                                                         0
<INVESTMENTS-HELD-FOR-SALE>                                     21,034,568
<INVESTMENTS-CARRYING>                                          13,071,927
<INVESTMENTS-MARKET>                                            13,035,431
<LOANS>                                                        115,681,405
<ALLOWANCE>                                                      1,802,402
<TOTAL-ASSETS>                                                 164,634,464
<DEPOSITS>                                                     145,407,818
<SHORT-TERM>                                                     3,458,500
<LIABILITIES-OTHER>                                                927,324
<LONG-TERM>                                                      1,200,000
<PREFERRED-MANDATORY>                                                    0
<PREFERRED>                                                              0
<COMMON>                                                        13,616,611
<OTHER-SE>                                                          24,211
<TOTAL-LIABILITIES-AND-EQUITY>                                 164,634,464
<INTEREST-LOAN>                                                  9,454,242
<INTEREST-INVEST>                                                1,674,717
<INTEREST-OTHER>                                                   147,320
<INTEREST-TOTAL>                                                11,276,279
<INTEREST-DEPOSIT>                                               4,756,452
<INTEREST-EXPENSE>                                               4,923,555
<INTEREST-INCOME-NET>                                            6,352,724
<LOAN-LOSSES>                                                      110,000
<SECURITIES-GAINS>                                                       0
<EXPENSE-OTHER>                                                  5,131,113
<INCOME-PRETAX>                                                  2,757,665
<INCOME-PRE-EXTRAORDINARY>                                       1,828,426
<EXTRAORDINARY>                                                          0
<CHANGES>                                                                0
<NET-INCOME>                                                     1,828,426
<EPS-PRIMARY>                                                         1.16
<EPS-DILUTED>                                                         1.15
<YIELD-ACTUAL>                                                        4.78
<LOANS-NON>                                                        226,582
<LOANS-PAST>                                                       125,512
<LOANS-TROUBLED>                                                         0
<LOANS-PROBLEM>                                                          0
<ALLOWANCE-OPEN>                                                 1,784,508
<CHARGE-OFFS>                                                      125,931
<RECOVERIES>                                                        33,825
<ALLOWANCE-CLOSE>                                                1,802,402
<ALLOWANCE-DOMESTIC>                                             1,643,003
<ALLOWANCE-FOREIGN>                                                      0
<ALLOWANCE-UNALLOCATED>                                            159,399
        

</TABLE>