<ARTICLE> 9 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-START> JAN-31-1996 <PERIOD-END> MAR-31-1996 <CASH> 28,345,000 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 10,483,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 83,004,000 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 316,507,000 <ALLOWANCE> 6,151,000 <TOTAL-ASSETS> 457,183,000 <DEPOSITS> 398,559,000 <SHORT-TERM> 8,407,000 <LIABILITIES-OTHER> 4,358,000 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 37,664,000 <OTHER-SE> 8,195,000 <TOTAL-LIABILITIES-AND-EQUITY> 457,183,000 <INTEREST-LOAN> 7,378,000 <INTEREST-INVEST> 1,144,000 <INTEREST-OTHER> 80,000 <INTEREST-TOTAL> 8,602,000 <INTEREST-DEPOSIT> 2,660,000 <INTEREST-EXPENSE> 2,966,000 <INTEREST-INCOME-NET> 5,636,000 <LOAN-LOSSES> 280,000 <SECURITIES-GAINS> 14,000 <EXPENSE-OTHER> 5,324,000 <INCOME-PRETAX> 1,319,000 <INCOME-PRE-EXTRAORDINARY> 1,319,000 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 763,000 <EPS-PRIMARY> .10 <EPS-DILUTED> .10 <YIELD-ACTUAL> 5.56 <LOANS-NON> 1,687,000 <LOANS-PAST> 0 <LOANS-TROUBLED> 1,489,000 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 5,734,000 <CHARGE-OFFS> 47,000 <RECOVERIES> 184,000 <ALLOWANCE-CLOSE> 6,151,000 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0