<ARTICLE> 9
<MULTIPLIER> 1,000
       
                                                                       
<PERIOD-TYPE>                   3-MOS                   6-MOS                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1996             DEC-31-1996             DEC-31-1996
<PERIOD-END>                               MAR-31-1996             JUN-30-1996             DEC-31-1996
<CASH>                                           11039                    9570                    9570
<INT-BEARING-DEPOSITS>                            2485                    3261                    3261
<FED-FUNDS-SOLD>                                  6300                    5000                    5000
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<INVESTMENTS-HELD-FOR-SALE>                      69279                   78762                   78762
<INVESTMENTS-CARRYING>                           70888                   66389                   66389
<INVESTMENTS-MARKET>                             71090                   66093                   66093
<LOANS>                                         221967                  222832                  222832
<ALLOWANCE>                                       2800                    2882                    2882
<TOTAL-ASSETS>                                  393983                  398640                  398640
<DEPOSITS>                                      332124                  331137                  331137
<SHORT-TERM>                                         0                       0                       0
<LIABILITIES-OTHER>                              13197                   18632                   18632
<LONG-TERM>                                          0                       0                       0
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<PREFERRED>                                          0                       0                       0
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<TOTAL-LIABILITIES-AND-EQUITY>                  393983                  398640                  398640
<INTEREST-LOAN>                                   4957                    4917                    9874
<INTEREST-INVEST>                                 2127                    2101                    4228
<INTEREST-OTHER>                                    68                     131                     199
<INTEREST-TOTAL>                                  7152                    7149                   14301
<INTEREST-DEPOSIT>                                3349                    3340                    6689
<INTEREST-EXPENSE>                                3476                    3480                    6956
<INTEREST-INCOME-NET>                             3676                    3669                    7345
<LOAN-LOSSES>                                      131                     122                     253
<SECURITIES-GAINS>                               (338)                       0                   (338)
<EXPENSE-OTHER>                                   3313                    2086                    5399
<INCOME-PRETAX>                                    875                    2255                    3130
<INCOME-PRE-EXTRAORDINARY>                           0                       0                       0
<EXTRAORDINARY>                                      0                       0                       0
<CHANGES>                                            0                       0                       0
<NET-INCOME>                                     (136)                    1558                    1422
<EPS-PRIMARY>                                    (.04)                     .48                     .48
<EPS-DILUTED>                                    (.04)                     .48                     .48
<YIELD-ACTUAL>                                    3.96                    4.03                    4.03
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<LOANS-PAST>                                       214                     300                     300
<LOANS-TROUBLED>                                     0                       0                       0
<LOANS-PROBLEM>                                      0                       0                       0
<ALLOWANCE-OPEN>                                  2782                    2800                    2800
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<RECOVERIES>                                         9                      32                      41
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<ALLOWANCE-DOMESTIC>                              2800                    2882                    2882
<ALLOWANCE-FOREIGN>                                  0                       0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0                       0