<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> 14,409 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 8,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 7,951 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 100,543 <ALLOWANCE> 2,176 <TOTAL-ASSETS> 179,022 <DEPOSITS> 160,772 <SHORT-TERM> 0 <LIABILITIES-OTHER> 2,536 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 15,991 <OTHER-SE> (277) <TOTAL-LIABILITIES-AND-EQUITY> 179,022 <INTEREST-LOAN> 3,054 <INTEREST-INVEST> 109 <INTEREST-OTHER> 78 <INTEREST-TOTAL> 3,241 <INTEREST-DEPOSIT> 923 <INTEREST-EXPENSE> 923 <INTEREST-INCOME-NET> 2,318 <LOAN-LOSSES> 300 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 3,901 <INCOME-PRETAX> 698 <INCOME-PRE-EXTRAORDINARY> 698 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 698 <EPS-PRIMARY> .32 <EPS-DILUTED> .30 <YIELD-ACTUAL> 6.14 <LOANS-NON> 9,173 <LOANS-PAST> 1,059 <LOANS-TROUBLED> 3,532 <LOANS-PROBLEM> 15,200 <ALLOWANCE-OPEN> 2,658 <CHARGE-OFFS> 813 <RECOVERIES> 31 <ALLOWANCE-CLOSE> 2,176 <ALLOWANCE-DOMESTIC> 2,176 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0