<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