<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
COMPANY'S CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED DECEMBER 31,
1996, AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS
INCLUDED AS PART OF EXHIBIT 13 TO THIS FORM 10-KSB.
</LEGEND>

<S>                             <C>
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               DEC-31-1996
<CASH>                                       1,211,182
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                             2,824,727
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    121,600
<INVESTMENTS-CARRYING>                       1,250,000
<INVESTMENTS-MARKET>                         1,247,275
<LOANS>                                     30,394,684
<ALLOWANCE>                                    332,253
<TOTAL-ASSETS>                              37,294,940
<DEPOSITS>                                  32,758,559
<SHORT-TERM>                                   574,328
<LIABILITIES-OTHER>                            239,262
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        55,933
<OTHER-SE>                                   3,666,858
<TOTAL-LIABILITIES-AND-EQUITY>              37,294,940
<INTEREST-LOAN>                              2,383,793
<INTEREST-INVEST>                               38,863
<INTEREST-OTHER>                               364,857
<INTEREST-TOTAL>                             2,787,513
<INTEREST-DEPOSIT>                           1,481,637
<INTEREST-EXPENSE>                           1,493,868
<INTEREST-INCOME-NET>                        1,293,645
<LOAN-LOSSES>                                   18,699
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              1,196,920
<INCOME-PRETAX>                                191,114
<INCOME-PRE-EXTRAORDINARY>                     191,114
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   191,114
<EPS-PRIMARY>                                      .32
<EPS-DILUTED>                                      .32
<YIELD-ACTUAL>                                    3.94
<LOANS-NON>                                     13,058
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                412,502
<ALLOWANCE-OPEN>                               260,000
<CHARGE-OFFS>                                   28,056
<RECOVERIES>                                    81,610
<ALLOWANCE-CLOSE>                              332,253
<ALLOWANCE-DOMESTIC>                           291,750
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                         40,503


</TABLE>