<ARTICLE> 9 <LEGEND> THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE CONSOLIDATED CONDENSED BALANCE SHEET (PAGE 3), CONSOLIDATED CONDENSED STATEMENT OF INCOME (PAGE 4), AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS. </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> 21,196 <INT-BEARING-DEPOSITS> 142 <FED-FUNDS-SOLD> 13,300 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 146,915 <INVESTMENTS-CARRYING> 53,372 <INVESTMENTS-MARKET> 53,626 <LOANS> 427,672 <ALLOWANCE> 4,947 <TOTAL-ASSETS> 681,270 <DEPOSITS> 556,468 <SHORT-TERM> 36,594 <LIABILITIES-OTHER> 6,952 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 633 <OTHER-SE> 80,623 <TOTAL-LIABILITIES-AND-EQUITY> 681,270 <INTEREST-LOAN> 9,564 <INTEREST-INVEST> 2,898 <INTEREST-OTHER> 249 <INTEREST-TOTAL> 12,711 <INTEREST-DEPOSIT> 5,161 <INTEREST-EXPENSE> 5,687 <INTEREST-INCOME-NET> 7,024 <LOAN-LOSSES> 160 <SECURITIES-GAINS> 10 <EXPENSE-OTHER> 4,688 <INCOME-PRETAX> 3,981 <INCOME-PRE-EXTRAORDINARY> 2,579 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,579 <EPS-PRIMARY> .51 <EPS-DILUTED> .51 <YIELD-ACTUAL> 0 <LOANS-NON> 0 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 0 <CHARGE-OFFS> 0 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 0 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0