<ARTICLE> 9 <MULTIPLIER> 1000 <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 <INVESTMENTS-HELD-FOR-SALE> 69279 69279 <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 <INTEREST-LOAN> 4957 4957 <INTEREST-INVEST> 2127 2127 <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 <LOANS-NON> 321 321 <LOANS-PAST> 214 214 <LOANS-TROUBLED> 0 0 <LOANS-PROBLEM> 0 0 <ALLOWANCE-OPEN> 2782 2782 <CHARGE-OFFS> 122 122 <RECOVERIES> 9 9 <ALLOWANCE-CLOSE> 2800 2800 <ALLOWANCE-DOMESTIC> 2800 2800 <ALLOWANCE-FOREIGN> 0 0 <ALLOWANCE-UNALLOCATED> 0 0