<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEETS AND CONSOLIDATED STATEMENTS OF OPERATIONS FOUND ON
PAGES 3 AND 4 OF THE COMPANY'S FORM 10-Q FOR THE YEAR-TO-DATE, AND IS QUALIFIED
IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL INFORMATION.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               MAR-31-1996
<CASH>                                          26,147
<INT-BEARING-DEPOSITS>                             321
<FED-FUNDS-SOLD>                                13,977
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     39,246
<INVESTMENTS-CARRYING>                           6,795
<INVESTMENTS-MARKET>                             6,795
<LOANS>                                        335,632<F1>
<ALLOWANCE>                                      6,380
<TOTAL-ASSETS>                                 560,843
<DEPOSITS>                                     474,692
<SHORT-TERM>                                    31,129
<LIABILITIES-OTHER>                             10,918
<LONG-TERM>                                     12,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                      5,750
<COMMON>                                        18,794
<OTHER-SE>                                       7,560<F2>
<TOTAL-LIABILITIES-AND-EQUITY>                 560,843
<INTEREST-LOAN>                                 10,398
<INTEREST-INVEST>                                  718
<INTEREST-OTHER>                                   377
<INTEREST-TOTAL>                                11,493
<INTEREST-DEPOSIT>                               5,343
<INTEREST-EXPENSE>                               5,994
<INTEREST-INCOME-NET>                            5,499
<LOAN-LOSSES>                                    1,515
<SECURITIES-GAINS>                                  17
<EXPENSE-OTHER>                                  8,091
<INCOME-PRETAX>                                  1,478
<INCOME-PRE-EXTRAORDINARY>                       1,478
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       886
<EPS-PRIMARY>                                      .29
<EPS-DILUTED>                                      .27
<YIELD-ACTUAL>                                    4.32
<LOANS-NON>                                      6,563
<LOANS-PAST>                                        56
<LOANS-TROUBLED>                                   598
<LOANS-PROBLEM>                                  2,288
<ALLOWANCE-OPEN>                                 5,037
<CHARGE-OFFS>                                      199
<RECOVERIES>                                        27
<ALLOWANCE-CLOSE>                                6,380
<ALLOWANCE-DOMESTIC>                             5,961
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            419
<FN>
<F1>EXCLUDES MORTGAGE LOANS HELD FOR SALE OF 110,978
<F2>INCLUDES UNREALIZED LOSS ON INVESTMENT SECURITIES AVAILABLE FOR SALE OF 181
</FN>