<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>                                          27,946
<INT-BEARING-DEPOSITS>                             495
<FED-FUNDS-SOLD>                                20,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     19,763
<INVESTMENTS-CARRYING>                           8,043
<INVESTMENTS-MARKET>                            10,091
<LOANS>                                        128,724
<ALLOWANCE>                                      3,006
<TOTAL-ASSETS>                                 209,229
<DEPOSITS>                                     193,660
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                822
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        13,258
<OTHER-SE>                                       1,489
<TOTAL-LIABILITIES-AND-EQUITY>                 209,229
<INTEREST-LOAN>                                  3,025
<INTEREST-INVEST>                                  428
<INTEREST-OTHER>                                   145
<INTEREST-TOTAL>                                 3,598
<INTEREST-DEPOSIT>                                 656
<INTEREST-EXPENSE>                                 659
<INTEREST-INCOME-NET>                            2,938
<LOAN-LOSSES>                                      196
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  2,684
<INCOME-PRETAX>                                    352
<INCOME-PRE-EXTRAORDINARY>                         352
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       227
<EPS-PRIMARY>                                      .17
<EPS-DILUTED>                                        0
<YIELD-ACTUAL>                                       0
<LOANS-NON>                                      7,502
<LOANS-PAST>                                       294
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 3,003
<CHARGE-OFFS>                                      194
<RECOVERIES>                                         1
<ALLOWANCE-CLOSE>                                3,006
<ALLOWANCE-DOMESTIC>                             3,006
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0