<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