<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> 190 <INT-BEARING-DEPOSITS> 9,768 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 3,698 <INVESTMENTS-CARRYING> 19,353 <INVESTMENTS-MARKET> 19,181 <LOANS> 252,164 <ALLOWANCE> 3,479 <TOTAL-ASSETS> 292,618 <DEPOSITS> 229,269 <SHORT-TERM> 25,000 <LIABILITIES-OTHER> 2,678 <LONG-TERM> 11,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 11,772 <OTHER-SE> 12,900 <TOTAL-LIABILITIES-AND-EQUITY> 292,618 <INTEREST-LOAN> 5,528 <INTEREST-INVEST> 460 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 5,988 <INTEREST-DEPOSIT> 3,130 <INTEREST-EXPENSE> 3,580 <INTEREST-INCOME-NET> 2,408 <LOAN-LOSSES> 140 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 1,508 <INCOME-PRETAX> 971 <INCOME-PRE-EXTRAORDINARY> 568 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 568 <EPS-PRIMARY> .23 <EPS-DILUTED> .23 <YIELD-ACTUAL> 8.32 <LOANS-NON> 5,492 <LOANS-PAST> 0 <LOANS-TROUBLED> 3,900 <LOANS-PROBLEM> 15,708 <ALLOWANCE-OPEN> 3,508 <CHARGE-OFFS> 169 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 3,479 <ALLOWANCE-DOMESTIC> 3,479 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0