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<PERIOD-TYPE>                   3-MOS                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1996             DEC-31-1996
<PERIOD-END>                               MAR-31-1996             DEC-31-1996
<CASH>                                           11039                   11039
<INT-BEARING-DEPOSITS>                            2485                    2485
<FED-FUNDS-SOLD>                                  6300                    6300
<TRADING-ASSETS>                                     0                       0
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<INVESTMENTS-CARRYING>                           70888                   70888
<INVESTMENTS-MARKET>                             71090                   71090
<LOANS>                                         221967                  221967
<ALLOWANCE>                                       2800                    2800
<TOTAL-ASSETS>                                  393983                  393983
<DEPOSITS>                                      332124                  332124
<SHORT-TERM>                                         0                       0
<LIABILITIES-OTHER>                              13197                   13197
<LONG-TERM>                                          0                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                          3280                    3280
<OTHER-SE>                                       34747                   34747
<TOTAL-LIABILITIES-AND-EQUITY>                  393983                  393983
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<INTEREST-OTHER>                                    68                      68
<INTEREST-TOTAL>                                  7152                    7152
<INTEREST-DEPOSIT>                                3349                    3349
<INTEREST-EXPENSE>                                3476                    3476
<INTEREST-INCOME-NET>                             3676                    3676
<LOAN-LOSSES>                                      131                     131
<SECURITIES-GAINS>                               (338)                   (338)
<EXPENSE-OTHER>                                   3313                    3313
<INCOME-PRETAX>                                    875                     875
<INCOME-PRE-EXTRAORDINARY>                           0                       0
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     (136)                   (136)
<EPS-PRIMARY>                                    (.04)                   (.04)
<EPS-DILUTED>                                    (.04)                   (.04)
<YIELD-ACTUAL>                                    3.96                    3.96
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<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
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<RECOVERIES>                                         9                       9
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<ALLOWANCE-FOREIGN>                                  0                       0
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