<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 FINANCIAL
STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               MAR-31-1996
<CASH>                                          22,806
<INT-BEARING-DEPOSITS>                             244
<FED-FUNDS-SOLD>                                   114
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     83,520
<INVESTMENTS-CARRYING>                         114,221
<INVESTMENTS-MARKET>                           114,265
<LOANS>                                        337,520
<ALLOWANCE>                                      5,378
<TOTAL-ASSETS>                                 576,315
<DEPOSITS>                                     451,019
<SHORT-TERM>                                    62,664
<LIABILITIES-OTHER>                              5,319
<LONG-TERM>                                     19,432
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         1,448
<OTHER-SE>                                      36,433
<TOTAL-LIABILITIES-AND-EQUITY>                 576,315
<INTEREST-LOAN>                                  7,849
<INTEREST-INVEST>                                3,052
<INTEREST-OTHER>                                    33
<INTEREST-TOTAL>                                10,934
<INTEREST-DEPOSIT>                               4,548
<INTEREST-EXPENSE>                               5,695
<INTEREST-INCOME-NET>                            5,239
<LOAN-LOSSES>                                       30
<SECURITIES-GAINS>                                 (2)
<EXPENSE-OTHER>                                  4,224
<INCOME-PRETAX>                                  2,339
<INCOME-PRE-EXTRAORDINARY>                       1,504
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,504
<EPS-PRIMARY>                                      .52<F1>
<EPS-DILUTED>                                      .52<F1>
<YIELD-ACTUAL>                                    3.98
<LOANS-NON>                                        659
<LOANS-PAST>                                        71
<LOANS-TROUBLED>                                 1,418
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 5,472
<CHARGE-OFFS>                                      141
<RECOVERIES>                                        17
<ALLOWANCE-CLOSE>                                5,378
<ALLOWANCE-DOMESTIC>                             1,429
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          3,949
<FN>
<F1>The earnings per share have been restated to reflect a two for one stock 
split effective May 15, 1996.
</FN>