9
       

     THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM
     THE BALANCE SHEET AND INCOME STATEMENT AND FROM THE MANAGEMENT DISCUSSION
     AND ANALYSIS AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
     FINANCIAL STATEMENTS AND MANAGEMENT DISCUSSION.


                             
                   YEAR
                            DEC-31-1996
                                 DEC-31-1996
                                         1,622,542
                         7,565,419
                               5,768,110
                                 254,527
                    8,528,145
                           858,758
                             859,196
                                        4,712,955
                                       72,614
                                31,523,866
                                    19,519,315
                                   8,240,186
                            1,514,007
                                      275,635
                                  0
                                            0
                                          83,615
                                     1,691,108
                31,523,866
                                  278,264
                                454,462
                                 709,976
                               1,442,702
                               424,746
                               891,754
                            550,948
                                      8,000
                                 5,151
                                1,397,502
                                  447,153
                       447,153
                                        0
                                              0
                                     292,835
                                       1.81
                                       1.78
                                      5.61
                                       12,010
                                          18
                                       0
                                        0
                                  63,491
                                      5,760
                                       6,883
                                 72,614
                              62,844
                                9,770
                                0