<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-START> JAN-31-1996 <PERIOD-END> MAR-31-1996 <CASH> 13,933 <INT-BEARING-DEPOSITS> 170,630 <FED-FUNDS-SOLD> 900 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 3,497 <INVESTMENTS-CARRYING> 52,241 <INVESTMENTS-MARKET> 52,372 <LOANS> 174,505 <ALLOWANCE> 2,907 <TOTAL-ASSETS> 254,960 <DEPOSITS> 231,830 <SHORT-TERM> 0 <LIABILITIES-OTHER> 720 <LONG-TERM> 3,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 17,947 <OTHER-SE> 1,463 <TOTAL-LIABILITIES-AND-EQUITY> 254,960 <INTEREST-LOAN> 4,517 <INTEREST-INVEST> 903 <INTEREST-OTHER> 88 <INTEREST-TOTAL> 5,508 <INTEREST-DEPOSIT> 1,905 <INTEREST-EXPENSE> 2,008 <INTEREST-INCOME-NET> 3,500 <LOAN-LOSSES> 200 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 3,151 <INCOME-PRETAX> 777 <INCOME-PRE-EXTRAORDINARY> 777 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 473 <EPS-PRIMARY> .24 <EPS-DILUTED> .24 <YIELD-ACTUAL> 6.03 <LOANS-NON> 2,325 <LOANS-PAST> 880 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 11,400 <ALLOWANCE-OPEN> 2,683 <CHARGE-OFFS> 0 <RECOVERIES> 24 <ALLOWANCE-CLOSE> 2,907 <ALLOWANCE-DOMESTIC> 2,907 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 256