<ARTICLE> 9 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> MAR-31-1996 <PERIOD-END> MAR-31-1996 <CASH> 13,270 <INT-BEARING-DEPOSITS> 899 <FED-FUNDS-SOLD> 12,600 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 79,007 <INVESTMENTS-CARRYING> 10,794 <INVESTMENTS-MARKET> 11,298 <LOANS> 235,271 <ALLOWANCE> 5,984 <TOTAL-ASSETS> 368,702 <DEPOSITS> 326,308 <SHORT-TERM> 1,546 <LIABILITIES-OTHER> 3,526 <LONG-TERM> 0 <COMMON> 18,275 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 19,047 <TOTAL-LIABILITIES-AND-EQUITY> 368,702 <INTEREST-LOAN> 5,411 <INTEREST-INVEST> 1,285 <INTEREST-OTHER> 265 <INTEREST-TOTAL> 6,961 <INTEREST-DEPOSIT> 3,296 <INTEREST-EXPENSE> 3,307 <INTEREST-INCOME-NET> 3,654 <LOAN-LOSSES> 10 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 2,451 <INCOME-PRETAX> 1,587 <INCOME-PRE-EXTRAORDINARY> 1,587 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,091 <EPS-PRIMARY> .60 <EPS-DILUTED> .60 <YIELD-ACTUAL> 4.30 <LOANS-NON> 535 <LOANS-PAST> 2,470 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 3,005 <ALLOWANCE-OPEN> 5,933 <CHARGE-OFFS> 60 <RECOVERIES> 101 <ALLOWANCE-CLOSE> 5,984 <ALLOWANCE-DOMESTIC> 5,984 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 712