<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED
FROM THE FIRST QUARTER 10-Q AND IS QUALIFIED IN ITS
ENTIRETY BY REFERENCE TO SUCH 10-Q.
</LEGEND>
<MULTIPLIER> 1000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-START>                             JAN-01-1995
<PERIOD-END>                               MAR-31-1995
<CASH>                                           16255
<INT-BEARING-DEPOSITS>                          219575
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      27554
<INVESTMENTS-CARRYING>                           58420
<INVESTMENTS-MARKET>                             57624
<LOANS>                                         209489
<ALLOWANCE>                                       2894
<TOTAL-ASSETS>                                  321785
<DEPOSITS>                                      267009
<SHORT-TERM>                                     13344
<LIABILITIES-OTHER>                               2839
<LONG-TERM>                                          0
<COMMON>                                         23146
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                       15447
<TOTAL-LIABILITIES-AND-EQUITY>                  321785
<INTEREST-LOAN>                                   4939
<INTEREST-INVEST>                                 1276
<INTEREST-OTHER>                                    20
<INTEREST-TOTAL>                                  6235
<INTEREST-DEPOSIT>                                2064
<INTEREST-EXPENSE>                                 172
<INTEREST-INCOME-NET>                             3999
<LOAN-LOSSES>                                      125
<SECURITIES-GAINS>                                  30
<EXPENSE-OTHER>                                   2514
<INCOME-PRETAX>                                   2199
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                      1543
<EPS-PRIMARY>                                      .33
<EPS-DILUTED>                                      .33
<YIELD-ACTUAL>                                    5.85
<LOANS-NON>                                       2079
<LOANS-PAST>                                       422
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                  2816
<CHARGE-OFFS>                                       80
<RECOVERIES>                                        33
<ALLOWANCE-CLOSE>                                 2894
<ALLOWANCE-DOMESTIC>                              2894
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0