<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-END> MAR-31-1996 <CASH> 4,259 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 5,110 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 55,542 <INVESTMENTS-CARRYING> 55,542 <INVESTMENTS-MARKET> 55,542 <LOANS> 113,269 <ALLOWANCE> 1,364 <TOTAL-ASSETS> 184,831 <DEPOSITS> 166,859 <SHORT-TERM> 0 <LIABILITIES-OTHER> 1,556 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 200 <OTHER-SE> 16,216 <TOTAL-LIABILITIES-AND-EQUITY> 184,831 <INTEREST-LOAN> 2,485 <INTEREST-INVEST> 1,019 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 3,504 <INTEREST-DEPOSIT> 1,923 <INTEREST-EXPENSE> 1,923 <INTEREST-INCOME-NET> 1,581 <LOAN-LOSSES> 75 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 1,310 <INCOME-PRETAX> 520 <INCOME-PRE-EXTRAORDINARY> 520 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 520 <EPS-PRIMARY> 1.09 <EPS-DILUTED> 1.09 <YIELD-ACTUAL> 7.99 <LOANS-NON> 855 <LOANS-PAST> 726 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 3,103 <ALLOWANCE-OPEN> 1,349 <CHARGE-OFFS> 69 <RECOVERIES> 9 <ALLOWANCE-CLOSE> 1,364 <ALLOWANCE-DOMESTIC> 1,364 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0