<ARTICLE> 9 <LEGEND> THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE FIRST QUARTER 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH 10-Q. </LEGEND> <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-START> JAN-01-1996 <PERIOD-END> MAR-31-1996 <CASH> 4707 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 7745 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 26859 <INVESTMENTS-CARRYING> 39792 <INVESTMENTS-MARKET> 40228 <LOANS> 125738 <ALLOWANCE> 2059 <TOTAL-ASSETS> 210566 <DEPOSITS> 185995 <SHORT-TERM> 0 <LIABILITIES-OTHER> 1357 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 4285 <OTHER-SE> 18929 <TOTAL-LIABILITIES-AND-EQUITY> 210566 <INTEREST-LOAN> 3049 <INTEREST-INVEST> 998 <INTEREST-OTHER> 51 <INTEREST-TOTAL> 4098 <INTEREST-DEPOSIT> 1724 <INTEREST-EXPENSE> 1726 <INTEREST-INCOME-NET> 2372 <LOAN-LOSSES> 45 <SECURITIES-GAINS> 2 <EXPENSE-OTHER> 1523 <INCOME-PRETAX> 1255 <INCOME-PRE-EXTRAORDINARY> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 943 <EPS-PRIMARY> .55 <EPS-DILUTED> .55 <YIELD-ACTUAL> 0 <LOANS-NON> 0 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 0 <CHARGE-OFFS> 0 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 0 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0