<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE 1995
10-K AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH 10-K.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               MAR-31-1996
<CASH>                                          33,142
<INT-BEARING-DEPOSITS>                             155
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                   500
<INVESTMENTS-HELD-FOR-SALE>                    105,001
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        418,595
<ALLOWANCE>                                   (15,415)
<TOTAL-ASSETS>                                 580,655
<DEPOSITS>                                     514,667
<SHORT-TERM>                                     3,019
<LIABILITIES-OTHER>                              9,254
<LONG-TERM>                                      8,424
<COMMON>                                            44
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                      40,546
<TOTAL-LIABILITIES-AND-EQUITY>                 580,655
<INTEREST-LOAN>                                  9,839
<INTEREST-INVEST>                                1,501
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                11,477
<INTEREST-DEPOSIT>                               4,588
<INTEREST-EXPENSE>                               4,858
<INTEREST-INCOME-NET>                            6,619
<LOAN-LOSSES>                                      900
<SECURITIES-GAINS>                                  90
<EXPENSE-OTHER>                                  7,645
<INCOME-PRETAX>                                  1,713
<INCOME-PRE-EXTRAORDINARY>                       1,713
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,369
<EPS-PRIMARY>                                   (0.32)
<EPS-DILUTED>                                   (0.32)
<YIELD-ACTUAL>                                    5.32
<LOANS-NON>                                     16,988
<LOANS-PAST>                                       192
<LOANS-TROUBLED>                                 2,642
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                19,929
<CHARGE-OFFS>                                  (1,963)
<RECOVERIES>                                       244
<ALLOWANCE-CLOSE>                               15,415
<ALLOWANCE-DOMESTIC>                            15,415
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            778