<ARTICLE>          9
<LEGEND>
At March 31, 1996, and for the three month period ended March 31, 1996:
</LEGEND>
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               MAR-31-1996
<CASH>                                          21,924
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                19,100
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    169,266
<INVESTMENTS-CARRYING>                          50,137
<INVESTMENTS-MARKET>                            50,946
<LOANS>                                        431,695
<ALLOWANCE>                                      4,197
<TOTAL-ASSETS>                                 718,322
<DEPOSITS>                                     641,024
<SHORT-TERM>                                    10,926
<LIABILITIES-OTHER>                              3,376
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           429
<OTHER-SE>                                      62,567
<TOTAL-LIABILITIES-AND-EQUITY>                 718,322
<INTEREST-LOAN>                                  9,192
<INTEREST-INVEST>                                3,345
<INTEREST-OTHER>                                   669
<INTEREST-TOTAL>                                13,206
<INTEREST-DEPOSIT>                               5,169
<INTEREST-EXPENSE>                               5,450
<INTEREST-INCOME-NET>                            7,756
<LOAN-LOSSES>                                      150
<SECURITIES-GAINS>                                  24
<EXPENSE-OTHER>                                  6,634
<INCOME-PRETAX>                                  3,151
<INCOME-PRE-EXTRAORDINARY>                       1,140
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,011
<EPS-PRIMARY>                                      .47
<EPS-DILUTED>                                      .47
<YIELD-ACTUAL>                                    7.73
<LOANS-NON>                                      4,481
<LOANS-PAST>                                       135
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 4,066
<CHARGE-OFFS>                                      107
<RECOVERIES>                                        88
<ALLOWANCE-CLOSE>                                4,197
<ALLOWANCE-DOMESTIC>                             4,197
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0