<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