<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
REGISTRANT'S UNAUDITED QUARTERLY FINANCIAL STATEMENTS AND DISCLOSURES FOR THE
PERIOD ENDED MARCH 31, 1996 AS PRESENTED IN IT FIRST QUARTER 1996 FORM 10-Q AND
IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS AND
DISCLOSURES.
</LEGEND>
<MULTIPLIER> 1000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               MAR-31-1996
<CASH>                                          39,764
<INT-BEARING-DEPOSITS>                             125
<FED-FUNDS-SOLD>                                17,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    171,780
<INVESTMENTS-CARRYING>                           7,838
<INVESTMENTS-MARKET>                             7,837
<LOANS>                                        262,887
<ALLOWANCE>                                      3,922
<TOTAL-ASSETS>                                 525,409
<DEPOSITS>                                     452,014
<SHORT-TERM>                                    11,810
<LIABILITIES-OTHER>                              8,628
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        10,750
<OTHER-SE>                                      42,207
<TOTAL-LIABILITIES-AND-EQUITY>                 525,409
<INTEREST-LOAN>                                  6,083
<INTEREST-INVEST>                                2,739
<INTEREST-OTHER>                                   216
<INTEREST-TOTAL>                                 9,038
<INTEREST-DEPOSIT>                               3,418
<INTEREST-EXPENSE>                               3,551
<INTEREST-INCOME-NET>                            5,487
<LOAN-LOSSES>                                      150
<SECURITIES-GAINS>                                 384
<EXPENSE-OTHER>                                  4,895
<INCOME-PRETAX>                                  2,359
<INCOME-PRE-EXTRAORDINARY>                       1,546
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,546
<EPS-PRIMARY>                                      .74
<EPS-DILUTED>                                      .74
<YIELD-ACTUAL>                                    4.87
<LOANS-NON>                                      1,422
<LOANS-PAST>                                       642
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 3,900
<CHARGE-OFFS>                                      152
<RECOVERIES>                                        24
<ALLOWANCE-CLOSE>                                3,922
<ALLOWANCE-DOMESTIC>                             1,690
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          2,384