<TABLE> <S> <C>

<ARTICLE> 9

<S>                             <C>                     <C>
<PERIOD-TYPE>                   12-MOS                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1996             DEC-31-1995
<PERIOD-START>                             JAN-01-1996             JAN-01-1995
<PERIOD-END>                               DEC-31-1996             DEC-31-1995
<CASH>                                      14,776,994               7,832,817
<INT-BEARING-DEPOSITS>                     139,746,411              81,164,403
<FED-FUNDS-SOLD>                            20,675,000              12,550,000
<TRADING-ASSETS>                            28,981,801              16,376,391
<INVESTMENTS-HELD-FOR-SALE>                          0                       0
<INVESTMENTS-CARRYING>                      10,005,711               9,993,329
<INVESTMENTS-MARKET>                        10,074,670              10,152,836
<LOANS>                                    122,831,573              70,538,097
<ALLOWANCE>                                (1,355,800)               (985,000)
<TOTAL-ASSETS>                             201,118,379             120,531,428
<DEPOSITS>                                 170,148,062              98,308,680
<SHORT-TERM>                                11,983,349               5,964,512
<LIABILITIES-OTHER>                            987,664                 553,231
<LONG-TERM>                                  2,000,000                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                    18,645,376              18,324,671
<OTHER-SE>                                 (2,646,072)             (2,619,666)
<TOTAL-LIABILITIES-AND-EQUITY>             201,118,379             120,531,428
<INTEREST-LOAN>                              7,612,377               4,144,440
<INTEREST-INVEST>                            2,191,032               1,177,810
<INTEREST-OTHER>                             1,165,899                 930,375
<INTEREST-TOTAL>                            10,969,308               6,252,625
<INTEREST-DEPOSIT>                           5,783,680               3,284,592
<INTEREST-EXPENSE>                           6,233,835               3,425,453
<INTEREST-INCOME-NET>                        4,735,473               2,827,172
<LOAN-LOSSES>                                  420,000                 600,000
<SECURITIES-GAINS>                              22,950                 (2,394)
<EXPENSE-OTHER>                              5,161,539               3,536,860
<INCOME-PRETAX>                                 77,584               (866,686)
<INCOME-PRE-EXTRAORDINARY>                      77,584               (866,686)
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                    77,584               (866,686)
<EPS-PRIMARY>                                     0.04                  (0.58)
<EPS-DILUTED>                                     0.04                  (0.58)
<YIELD-ACTUAL>                                    3.10                    3.43
<LOANS-NON>                                     84,000                       0
<LOANS-PAST>                                         0                       0
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                               985,000                 385,000
<CHARGE-OFFS>                                   49,200                       0
<RECOVERIES>                                         0                       0
<ALLOWANCE-CLOSE>                            1,355,800                 985,000
<ALLOWANCE-DOMESTIC>                                 0                       0
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                      1,355,800                 985,000


</TABLE>