<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM MARCH
31, 1996 FINANCIAL STATEMENTS AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
<CURRENCY> U.S. DOLLARS
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               MAR-31-1996
<EXCHANGE-RATE>                                      1
<CASH>                                          11,224
<INT-BEARING-DEPOSITS>                             885
<FED-FUNDS-SOLD>                                19,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     80,736
<INVESTMENTS-CARRYING>                          14,747
<INVESTMENTS-MARKET>                            14,908
<LOANS>                                        105,375
<ALLOWANCE>                                      3,406
<TOTAL-ASSETS>                                 237,412
<DEPOSITS>                                     205,241
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              7,342
<LONG-TERM>                                        180
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           775
<OTHER-SE>                                      24,054
<TOTAL-LIABILITIES-AND-EQUITY>                 237,412
<INTEREST-LOAN>                                  2,475
<INTEREST-INVEST>                                1,267
<INTEREST-OTHER>                                   317
<INTEREST-TOTAL>                                 4,059
<INTEREST-DEPOSIT>                               1,699
<INTEREST-EXPENSE>                               1,768
<INTEREST-INCOME-NET>                            2,291
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,333
<INCOME-PRETAX>                                  1,513
<INCOME-PRE-EXTRAORDINARY>                       1,048
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,048
<EPS-PRIMARY>                                     3.74
<EPS-DILUTED>                                     3.74
<YIELD-ACTUAL>                                    4.45
<LOANS-NON>                                        341
<LOANS-PAST>                                       305
<LOANS-TROUBLED>                                    60
<LOANS-PROBLEM>                                    219
<ALLOWANCE-OPEN>                                 3,396
<CHARGE-OFFS>                                       26
<RECOVERIES>                                        36
<ALLOWANCE-CLOSE>                                3,406
<ALLOWANCE-DOMESTIC>                             3,406
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0