<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-START> JAN-01-1996 <PERIOD-END> MAR-31-1996 <CASH> 19,066 <INT-BEARING-DEPOSITS> 99 <FED-FUNDS-SOLD> 34,448 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 0 <INVESTMENTS-CARRYING> 82,354 <INVESTMENTS-MARKET> 82,331 <LOANS> 167,991 <ALLOWANCE> 3,928 <TOTAL-ASSETS> 306,061 <DEPOSITS> 276,250 <SHORT-TERM> 0 <LIABILITIES-OTHER> 2,201 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 20,892 <OTHER-SE> 6,718 <TOTAL-LIABILITIES-AND-EQUITY> 0 <INTEREST-LOAN> 4,798 <INTEREST-INVEST> 1,136 <INTEREST-OTHER> 642 <INTEREST-TOTAL> 6,676 <INTEREST-DEPOSIT> 2,124 <INTEREST-EXPENSE> 2,124 <INTEREST-INCOME-NET> 4,452 <LOAN-LOSSES> 0 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 1,876 <INCOME-PRETAX> 2,769 <INCOME-PRE-EXTRAORDINARY> 2,769 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,584 <EPS-PRIMARY> 0.65 <EPS-DILUTED> 0.65 <YIELD-ACTUAL> 6.20 <LOANS-NON> 362 <LOANS-PAST> 694 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 3,964 <CHARGE-OFFS> 67 <RECOVERIES> 11 <ALLOWANCE-CLOSE> 3,928 <ALLOWANCE-DOMESTIC> 3,928 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0