<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> 19,389 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 15,405 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 65,112 <INVESTMENTS-CARRYING> 79,260 <INVESTMENTS-MARKET> 80,509 <LOANS> 474,649 <ALLOWANCE> 6,884 <TOTAL-ASSETS> 682,739 <DEPOSITS> 611,373 <SHORT-TERM> 8,947 <LIABILITIES-OTHER> 5,065 <LONG-TERM> 12,026 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 6,260 <OTHER-SE> 39,067 <TOTAL-LIABILITIES-AND-EQUITY> 682,739 <INTEREST-LOAN> 12,058 <INTEREST-INVEST> 2,321 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 14,379 <INTEREST-DEPOSIT> 7,124 <INTEREST-EXPENSE> 7,487 <INTEREST-INCOME-NET> 6,893 <LOAN-LOSSES> 278 <SECURITIES-GAINS> 31 <EXPENSE-OTHER> 1,613 <INCOME-PRETAX> 2,583 <INCOME-PRE-EXTRAORDINARY> 2,583 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,673 <EPS-PRIMARY> 0.267 <EPS-DILUTED> 0.267 <YIELD-ACTUAL> 9.26 <LOANS-NON> 1,043 <LOANS-PAST> 184 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 6,545 <CHARGE-OFFS> 46 <RECOVERIES> 107 <ALLOWANCE-CLOSE> 6,884 <ALLOWANCE-DOMESTIC> 6,884 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 6,884