<ARTICLE> 9
<MULTIPLIER> 1,000
       
                                                  
<PERIOD-TYPE>                   3-MOS                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1996             DEC-31-1995
<PERIOD-END>                               MAR-31-1996             MAR-31-1995
<CASH>                                      10,088,000               8,752,000
<INT-BEARING-DEPOSITS>                               0                       0
<FED-FUNDS-SOLD>                                     0               2,500,000
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                 43,924,000              19,333,000
<INVESTMENTS-CARRYING>                      33,113,000              56,221,000
<INVESTMENTS-MARKET>                                 0                       0
<LOANS>                                    197,210,000             174,450,000
<ALLOWANCE>                                  2,289,000               2,115,000
<TOTAL-ASSETS>                             296,239,000             272,891,000
<DEPOSITS>                                 240,452,000             221,836,000
<SHORT-TERM>                                20,445,000              17,220,000
<LIABILITIES-OTHER>                          3,662,000               2,313,000
<LONG-TERM>                                  4,107,000               6,783,000
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                       735,000                 721,000
<OTHER-SE>                                  26,838,000              24,018,000
<TOTAL-LIABILITIES-AND-EQUITY>             296,239,000             272,891,000
<INTEREST-LOAN>                              4,686,000               4,021,000
<INTEREST-INVEST>                            1,207,000               1,145,000
<INTEREST-OTHER>                                28,000                  45,000
<INTEREST-TOTAL>                             5,921,000               5,211,000
<INTEREST-DEPOSIT>                           2,564,000               2,258,000
<INTEREST-EXPENSE>                           2,859,000               2,527,000
<INTEREST-INCOME-NET>                        3,062,000               2,684,000
<LOAN-LOSSES>                                  105,000                  65,000
<SECURITIES-GAINS>                             136,000                   7,000
<EXPENSE-OTHER>                              2,402,000               2,308,000
<INCOME-PRETAX>                              1,453,000                 965,000
<INCOME-PRE-EXTRAORDINARY>                     947,000                 643,000
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                   947,000                 643,000
<EPS-PRIMARY>                                     1.29                    0.90
<EPS-DILUTED>                                     1.29                    0.90
<YIELD-ACTUAL>                                    4.47                    4.25
<LOANS-NON>                                    740,000                 721,000
<LOANS-PAST>                                   427,000               1,404,000
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                              2,888,000               3,752,000
<ALLOWANCE-OPEN>                             2,216,000               2,054,000
<CHARGE-OFFS>                                   72,000                  60,000
<RECOVERIES>                                    40,000                  56,000
<ALLOWANCE-CLOSE>                            2,289,000               2,115,000
<ALLOWANCE-DOMESTIC>                         2,289,000               2,115,000
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0