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>                              [BLANK]             DEC-31-1996
<PERIOD-END>                                   [BLANK]             SEP-30-1996
<CASH>                                         [BLANK]               5,919,951
<INT-BEARING-DEPOSITS>                         [BLANK]                  18,386
<FED-FUNDS-SOLD>                               [BLANK]               9,000,000
<TRADING-ASSETS>                               [BLANK]                       0
<INVESTMENTS-HELD-FOR-SALE>                    [BLANK]              57,140,762
<INVESTMENTS-CARRYING>                         [BLANK]              33,827,148
<INVESTMENTS-MARKET>                           [BLANK]              34,160,601
<LOANS>                                        [BLANK]             105,684,802
<ALLOWANCE>                                    [BLANK]               1,585,436
<TOTAL-ASSETS>                                 [BLANK]             215,484,322
<DEPOSITS>                                     [BLANK]             187,469,404
<SHORT-TERM>                                   [BLANK]                 138,227
<LIABILITIES-OTHER>                            [BLANK]                 600,768
<LONG-TERM>                                    [BLANK]                       0
<PREFERRED-MANDATORY>                          [BLANK]                       0
<PREFERRED>                                    [BLANK]                       0
<COMMON>                                       [BLANK]               4,000,000
<OTHER-SE>                                     [BLANK]              23,275,923
<TOTAL-LIABILITIES-AND-EQUITY>                 [BLANK]             215,484,322
<INTEREST-LOAN>                              2,330,582               7,168,550
<INTEREST-INVEST>                            1,415,994               3,972,795
<INTEREST-OTHER>                               121,750                 293,845
<INTEREST-TOTAL>                             3,868,326              11,435,190
<INTEREST-DEPOSIT>                           1,776,247               5,180,146
<INTEREST-EXPENSE>                           1,778,428               5,189,150
<INTEREST-INCOME-NET>                        2,089,898               6,246,040
<LOAN-LOSSES>                                   80,000                 140,000
<SECURITIES-GAINS>                                   0                       0
<EXPENSE-OTHER>                              1,063,044               3,222,612
<INCOME-PRETAX>                              1,150,706               3,426,016
<INCOME-PRE-EXTRAORDINARY>                   1,150,706               3,426,016
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                   809,893               2,403,879
<EPS-PRIMARY>                                     1.01                    3.00
<EPS-DILUTED>                                     1.01                    3.00
<YIELD-ACTUAL>                                 [BLANK]                    4.19
<LOANS-NON>                                    [BLANK]                 679,914
<LOANS-PAST>                                   [BLANK]                 356,459
<LOANS-TROUBLED>                               [BLANK]                       0
<LOANS-PROBLEM>                                [BLANK]               1,702,671
<ALLOWANCE-OPEN>                               [BLANK]               1,505,159
<CHARGE-OFFS>                                  [BLANK]                  76,906
<RECOVERIES>                                   [BLANK]                  17,183
<ALLOWANCE-CLOSE>                              [BLANK]               1,585,436
<ALLOWANCE-DOMESTIC>                           [BLANK]               1,163,692
<ALLOWANCE-FOREIGN>                            [BLANK]                       0
<ALLOWANCE-UNALLOCATED>                        [BLANK]                 421,744
        

</TABLE>