<TABLE> <S> <C>

<ARTICLE>                           9
<MULTIPLIER>                        1

<S>                                                                 <C>
<PERIOD-TYPE>                                                            YEAR
<PERIOD-END>                                                        DEC-31-1996
<FISCAL-YEAR-END>                                                   DEC-31-1996
<CASH>                                                                2,527,785
<INT-BEARING-DEPOSITS>                                                3,557,138
<FED-FUNDS-SOLD>                                                              0
<TRADING-ASSETS>                                                              0
<INVESTMENTS-HELD-FOR-SALE>                                          43,202,396
<INVESTMENTS-CARRYING>                                                3,209,696
<INVESTMENTS-MARKET>                                                  3,108,722
<LOANS>                                                             152,988,113
<ALLOWANCE>                                                           4,339,307
<TOTAL-ASSETS>                                                      221,957,881
<DEPOSITS>                                                          177,999,415
<SHORT-TERM>                                                         19,580,833
<LIABILITIES-OTHER>                                                   3,859,341
<LONG-TERM>                                                                   0
<PREFERRED-MANDATORY>                                                         0
<PREFERRED>                                                                   0
<COMMON>                                                              2,036,990
<OTHER-SE>                                                           18,481,302
<TOTAL-LIABILITIES-AND-EQUITY>                                      221,957,881
<INTEREST-LOAN>                                                      14,039,683
<INTEREST-INVEST>                                                     3,156,090
<INTEREST-OTHER>                                                        167,587
<INTEREST-TOTAL>                                                     17,363,360
<INTEREST-DEPOSIT>                                                    8,011,016
<INTEREST-EXPENSE>                                                    9,190,644
<INTEREST-INCOME-NET>                                                 8,172,716
<LOAN-LOSSES>                                                         3,484,529
<SECURITIES-GAINS>                                                      219,379
<EXPENSE-OTHER>                                                       8,169,833
<INCOME-PRETAX>                                                        (488,848)
<INCOME-PRE-EXTRAORDINARY>                                             (177,626)
<EXTRAORDINARY>                                                               0
<CHANGES>                                                                     0
<NET-INCOME>                                                           (177,626)
<EPS-PRIMARY>                                                             (0.09)
<EPS-DILUTED>                                                             (0.09)
<YIELD-ACTUAL>                                                             4.08
<LOANS-NON>                                                           6,688,000
<LOANS-PAST>                                                                  0
<LOANS-TROUBLED>                                                      1,843,000
<LOANS-PROBLEM>                                                       7,080,000
<ALLOWANCE-OPEN>                                                      1,339,000
<CHARGE-OFFS>                                                           519,000
<RECOVERIES>                                                             35,000
<ALLOWANCE-CLOSE>                                                     4,339,000
<ALLOWANCE-DOMESTIC>                                                  3,246,000
<ALLOWANCE-FOREIGN>                                                           0
<ALLOWANCE-UNALLOCATED>                                               1,093,000


</TABLE>