<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from Condensed
Balance Sheet and Statement of Income and is qualified in its entirety by
reference to such financial statements.
</LEGEND>
       
                                                  
<PERIOD-TYPE>                  12-MOS                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1996             DEC-31-1996
<PERIOD-END>                               MAR-31-1996             MAR-31-1996
<CASH>                                          12,449                       0
<INT-BEARING-DEPOSITS>                             155                       0
<FED-FUNDS-SOLD>                                     0                       0
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                     83,875                       0
<INVESTMENTS-CARRYING>                               0                       0
<INVESTMENTS-MARKET>                                 0                       0
<LOANS>                                        199,787                       0
<ALLOWANCE>                                      2,760                       0
<TOTAL-ASSETS>                                 303,285                       0
<DEPOSITS>                                     255,819                       0
<SHORT-TERM>                                    11,351                       0
<LIABILITIES-OTHER>                              3,211                       0
<LONG-TERM>                                      5,500                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                      1,000                       0
<COMMON>                                         1,251                       0
<OTHER-SE>                                      25,153                       0
<TOTAL-LIABILITIES-AND-EQUITY>                 303,285                       0
<INTEREST-LOAN>                                  4,359                   4,359
<INTEREST-INVEST>                                1,277                   1,277
<INTEREST-OTHER>                                   101                     101
<INTEREST-TOTAL>                                 5,737                   5,737
<INTEREST-DEPOSIT>                               2,590                   2,590
<INTEREST-EXPENSE>                               2,879                   2,879
<INTEREST-INCOME-NET>                            2,858                   2,858
<LOAN-LOSSES>                                       27                      27
<SECURITIES-GAINS>                                   0                       0
<EXPENSE-OTHER>                                  2,001                   2,001
<INCOME-PRETAX>                                  1,151                   1,151
<INCOME-PRE-EXTRAORDINARY>                       1,151                   1,151
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                       697                     697
<EPS-PRIMARY>                                     0.54                    0.54
<EPS-DILUTED>                                     0.54                    0.54
<YIELD-ACTUAL>                                    7.94                       0
<LOANS-NON>                                      1,300                       0
<LOANS-PAST>                                        43                       0
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                 2,754                       0
<CHARGE-OFFS>                                       32                       0
<RECOVERIES>                                        11                       0
<ALLOWANCE-CLOSE>                                2,760                       0
<ALLOWANCE-DOMESTIC>                             1,539                       0
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                          1,221                       0