<ARTICLE> 9 <LEGEND> THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS. </LEGEND> <MULTIPLIER> 1000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-END> MAR-31-1996 <CASH> 11,404 <INT-BEARING-DEPOSITS> 1,788 <FED-FUNDS-SOLD> 17,200 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 29,286 <INVESTMENTS-CARRYING> 5,897 <INVESTMENTS-MARKET> 5,799 <LOANS> 92,641 <ALLOWANCE> 1,650 <TOTAL-ASSETS> 169,462 <DEPOSITS> 140,238 <SHORT-TERM> 4,050 <LIABILITIES-OTHER> 579 <LONG-TERM> 7,956 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 20,289 <OTHER-SE> (3,650) <TOTAL-LIABILITIES-AND-EQUITY> 169,462 <INTEREST-LOAN> 2,276 <INTEREST-INVEST> 484 <INTEREST-OTHER> 304 <INTEREST-TOTAL> 3,064 <INTEREST-DEPOSIT> 814 <INTEREST-EXPENSE> 864 <INTEREST-INCOME-NET> 2,200 <LOAN-LOSSES> (100) <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 493 <INCOME-PRETAX> 106 <INCOME-PRE-EXTRAORDINARY> 106 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 102 <EPS-PRIMARY> 0.03 <EPS-DILUTED> 0.03 <YIELD-ACTUAL> 5.04 <LOANS-NON> 4,580 <LOANS-PAST> 71 <LOANS-TROUBLED> 4,118 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,002 <CHARGE-OFFS> 263 <RECOVERIES> 11 <ALLOWANCE-CLOSE> 1,650 <ALLOWANCE-DOMESTIC> 996 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 654