[ARTICLE] 9
<TABLE>
<S> <C>
[PERIOD-TYPE] YEAR
[FISCAL-YEAR-END] DEC-31-1995
[PERIOD-END] DEC-31-1995
[CASH] 6,121,646
[INT-BEARING-DEPOSITS] 7,997,730
[FED-FUNDS-SOLD] 7,170,000
[TRADING-ASSETS] 0
[INVESTMENTS-HELD-FOR-SALE] 29,095,559
[INVESTMENTS-CARRYING] 3,118,956
[INVESTMENTS-MARKET] 0
[LOANS] 597,190,479
[ALLOWANCE] 14,554,240
[TOTAL-ASSETS] 684,531,664
[DEPOSITS] 78,100,173
[SHORT-TERM] 132,499,998
[LIABILITIES-OTHER] 17,776,591
[LONG-TERM] 337,701,734
[COMMON] 94,081,220
[PREFERRED-MANDATORY] 0
[PREFERRED] 0
[OTHER-SE] 254,038
[TOTAL-LIABILITIES-AND-EQUITY] 684,531,664
[INTEREST-LOAN] 48,563,512
[INTEREST-INVEST] 3,934,756
[INTEREST-OTHER] 0
[INTEREST-TOTAL] 52,498,268
[INTEREST-DEPOSIT] 3,457,902
[INTEREST-EXPENSE] 30,753,161
[INTEREST-INCOME-NET] 21,745,107
[LOAN-LOSSES] 1,904,500
[SECURITIES-GAINS] 73,938
[EXPENSE-OTHER] 22,592,713
[INCOME-PRETAX] 9,860,919
[INCOME-PRE-EXTRAORDINARY] 0
[EXTRAORDINARY] 0
[CHANGES] 0
[NET-INCOME] 9,083,236
[EPS-PRIMARY] 9.65
[EPS-DILUTED] 9.65
[YIELD-ACTUAL] 3.71
[LOANS-NON] 1,740,794
[LOANS-PAST] 1,159,869
[LOANS-TROUBLED] 4,040,996
[LOANS-PROBLEM] 0
[ALLOWANCE-OPEN] 13,031,499
[CHARGE-OFFS] 699,014
[RECOVERIES] 371,255
[ALLOWANCE-CLOSE] 14,554,240
[ALLOWANCE-DOMESTIC] 0
[ALLOWANCE-FOREIGN] 0
[ALLOWANCE-UNALLOCATED] 0
</TABLE>
