<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-mos <FISCAL-YEAR-END> Dec-31-1996 <PERIOD-START> Jan-01-1996 <PERIOD-END> Mar-31-1996 <CASH> 8,885 <INT-BEARING-DEPOSITS> 619 <FED-FUNDS-SOLD> 1,975 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 83,060 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 180,696 <ALLOWANCE> (4,787) <TOTAL-ASSETS> 293,906 <DEPOSITS> 247,231 <SHORT-TERM> 6,029 <LIABILITIES-OTHER> 4,069 <LONG-TERM> 1,054 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 586 <OTHER-SE> 34,937 <TOTAL-LIABILITIES-AND-EQUITY> 293,906 <INTEREST-LOAN> 3,979 <INTEREST-INVEST> 525 <INTEREST-OTHER> 504 <INTEREST-TOTAL> 5,008 <INTEREST-DEPOSIT> 2,310 <INTEREST-EXPENSE> 2,474 <INTEREST-INCOME-NET> 2,534 <LOAN-LOSSES> 100 <SECURITIES-GAINS> 75 <EXPENSE-OTHER> 2,093 <INCOME-PRETAX> 779 <INCOME-PRE-EXTRAORDINARY> 779 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 461 <EPS-PRIMARY> .12 <EPS-DILUTED> .12 <YIELD-ACTUAL> 7.56 <LOANS-NON> 568 <LOANS-PAST> 441 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 2,800 <ALLOWANCE-OPEN> 5,228 <CHARGE-OFFS> (751) <RECOVERIES> 210 <ALLOWANCE-CLOSE> 4,787 <ALLOWANCE-DOMESTIC> 4,787 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0