<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>