<ARTICLE>            9
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               MAR-31-1996
<CASH>                                       5,470,000
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 72,004,000
<INVESTMENTS-CARRYING>                       1,775,000
<INVESTMENTS-MARKET>                         1,877,000
<LOANS>                                    112,058,000
<ALLOWANCE>                                  1,616,000
<TOTAL-ASSETS>                             196,109,000
<DEPOSITS>                                 167,880,000
<SHORT-TERM>                                 3,973,000
<LIABILITIES-OTHER>                          1,830,000
<LONG-TERM>                                  1,723,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                       632,000
<OTHER-SE>                                  20,281,000
<TOTAL-LIABILITIES-AND-EQUITY>             196,109,000
<INTEREST-LOAN>                              2,558,000
<INTEREST-INVEST>                            1,046,000
<INTEREST-OTHER>                                53,000
<INTEREST-TOTAL>                             3,657,000
<INTEREST-DEPOSIT>                           1,510,000
<INTEREST-EXPENSE>                           1,536,000
<INTEREST-INCOME-NET>                        2,121,000
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              1,518,000
<INCOME-PRETAX>                                823,000
<INCOME-PRE-EXTRAORDINARY>                     622,000
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   622,000
<EPS-PRIMARY>                                     0.51
<EPS-DILUTED>                                     0.51
<YIELD-ACTUAL>                                    4.64
<LOANS-NON>                                  2,920,000
<LOANS-PAST>                                   211,000
<LOANS-TROUBLED>                             1,271,000
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             1,629,000
<CHARGE-OFFS>                                   42,000
<RECOVERIES>                                    29,000
<ALLOWANCE-CLOSE>                            1,616,000
<ALLOWANCE-DOMESTIC>                           470,000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                      1,146,000