<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-END> MAR-31-1996 <CASH> 4,975 <INT-BEARING-DEPOSITS> 1,568 <FED-FUNDS-SOLD> 4,781 <TRADING-ASSETS> 934 <INVESTMENTS-HELD-FOR-SALE> 29,574 <INVESTMENTS-CARRYING> 29,574 <INVESTMENTS-MARKET> 29,574 <LOANS> 103,570 <ALLOWANCE> 1,475 <TOTAL-ASSETS> 149,778 <DEPOSITS> 131,223 <SHORT-TERM> 0 <LIABILITIES-OTHER> 1,734 <LONG-TERM> 2,340 <COMMON> 204 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 14,481 <TOTAL-LIABILITIES-AND-EQUITY> 149,778 <INTEREST-LOAN> 2,366 <INTEREST-INVEST> 476 <INTEREST-OTHER> 64 <INTEREST-TOTAL> 2,906 <INTEREST-DEPOSIT> 1,223 <INTEREST-EXPENSE> 1,260 <INTEREST-INCOME-NET> 1,646 <LOAN-LOSSES> 60 <SECURITIES-GAINS> (4) <EXPENSE-OTHER> 1,101 <INCOME-PRETAX> 741 <INCOME-PRE-EXTRAORDINARY> 534 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 534 <EPS-PRIMARY> .55 <EPS-DILUTED> .55 <YIELD-ACTUAL> 4.92 <LOANS-NON> 110 <LOANS-PAST> 166 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,433 <CHARGE-OFFS> 22 <RECOVERIES> 4 <ALLOWANCE-CLOSE> 1,475 <ALLOWANCE-DOMESTIC> 1,475 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0