<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