<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the Form
10-Q filed as of March 31, 1996.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               MAR-31-1996
<CASH>                                          17,680
<INT-BEARING-DEPOSITS>                           1,479
<FED-FUNDS-SOLD>                                11,800
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    156,559
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        383,696
<ALLOWANCE>                                      6,743
<TOTAL-ASSETS>                                 582,883
<DEPOSITS>                                     435,839
<SHORT-TERM>                                    67,523
<LIABILITIES-OTHER>                              5,703
<LONG-TERM>                                     22,395
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        31,100
<OTHER-SE>                                      20,323
<TOTAL-LIABILITIES-AND-EQUITY>                 582,883
<INTEREST-LOAN>                                  8,964
<INTEREST-INVEST>                                2,434
<INTEREST-OTHER>                                    92
<INTEREST-TOTAL>                                11,398
<INTEREST-DEPOSIT>                               4,345
<INTEREST-EXPENSE>                               5,367
<INTEREST-INCOME-NET>                            6,031
<LOAN-LOSSES>                                      360
<SECURITIES-GAINS>                                  26
<EXPENSE-OTHER>                                  4,013
<INCOME-PRETAX>                                  2,764
<INCOME-PRE-EXTRAORDINARY>                       2,764
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,881
<EPS-PRIMARY>                                     0.60
<EPS-DILUTED>                                     0.60
<YIELD-ACTUAL>                                    4.72
<LOANS-NON>                                        939
<LOANS-PAST>                                     1,441
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  2,181
<ALLOWANCE-OPEN>                                 6,726
<CHARGE-OFFS>                                      431
<RECOVERIES>                                        88
<ALLOWANCE-CLOSE>                                6,743
<ALLOWANCE-DOMESTIC>                             6,743
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            150