<ARTICLE> 9 <MULTIPLIER> 1,000 <CURRENCY> US DOLLARS <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-START> JAN-01-1996 <PERIOD-END> MAR-31-1996 <EXCHANGE-RATE> 1 <CASH> 30,045 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 19,200 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 94,893 <INVESTMENTS-CARRYING> 8,581 <INVESTMENTS-MARKET> 8,540 <LOANS> 222,943 <ALLOWANCE> 4,903 <TOTAL-ASSETS> 395,346 <DEPOSITS> 346,049 <SHORT-TERM> 2,036 <LIABILITIES-OTHER> 3,851 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 32,034 <OTHER-SE> 11,376 <TOTAL-LIABILITIES-AND-EQUITY> 395,346 <INTEREST-LOAN> 5,593 <INTEREST-INVEST> 1,443 <INTEREST-OTHER> 318 <INTEREST-TOTAL> 7,354 <INTEREST-DEPOSIT> 1,852 <INTEREST-EXPENSE> 1,889 <INTEREST-INCOME-NET> 5,465 <LOAN-LOSSES> 152 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 4,265 <INCOME-PRETAX> 2,225 <INCOME-PRE-EXTRAORDINARY> 2,225 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,310 <EPS-PRIMARY> 0.34 <EPS-DILUTED> 0.34 <YIELD-ACTUAL> 6.41 <LOANS-NON> 3,378 <LOANS-PAST> 259 <LOANS-TROUBLED> 2,514 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 6,265 <CHARGE-OFFS> 1,591 <RECOVERIES> 78 <ALLOWANCE-CLOSE> 4,903 <ALLOWANCE-DOMESTIC> 4,903 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 4,903