<ARTICLE> 9 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-END> MAR-31-1996 <CASH> 8433 <INT-BEARING-DEPOSITS> 2034 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 74338 <INVESTMENTS-CARRYING> 2809 <INVESTMENTS-MARKET> 0 <LOANS> 151347 <ALLOWANCE> 2419 <TOTAL-ASSETS> 245278 <DEPOSITS> 204655 <SHORT-TERM> 7197 <LIABILITIES-OTHER> 3721 <LONG-TERM> 0 <COMMON> 12715 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 16989 <TOTAL-LIABILITIES-AND-EQUITY> 245278 <INTEREST-LOAN> 3640 <INTEREST-INVEST> 1119 <INTEREST-OTHER> 23 <INTEREST-TOTAL> 4782 <INTEREST-DEPOSIT> 1897 <INTEREST-EXPENSE> 73 <INTEREST-INCOME-NET> 2812 <LOAN-LOSSES> 42 <SECURITIES-GAINS> 36 <EXPENSE-OTHER> 1760 <INCOME-PRETAX> 1309 <INCOME-PRE-EXTRAORDINARY> 1309 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 982 <EPS-PRIMARY> .77 <EPS-DILUTED> 0 <YIELD-ACTUAL> 0 <LOANS-NON> 1056 <LOANS-PAST> 1087 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2353 <CHARGE-OFFS> 56 <RECOVERIES> 80 <ALLOWANCE-CLOSE> 2419 <ALLOWANCE-DOMESTIC> 2419 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0