<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>