<ARTICLE> 9 <LEGEND> THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE CONSOLIDATED BALANCE SHEETS AND CONSOLIDATED STATEMENTS OF OPERATIONS FOUND ON PAGES 2 AND 3 OF THE COMPANY'S FORM 10-QSB FOR MARCH 31, 1996 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS. </LEGEND> <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-START> JAN-01-1996 <PERIOD-END> MAR-31-1996 <CASH> 20,831,000 <INT-BEARING-DEPOSITS> 146,272,000 <FED-FUNDS-SOLD> 9,000,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 20,238,000 <INVESTMENTS-CARRYING> 9,840,000 <INVESTMENTS-MARKET> 9,833,000 <LOANS> 165,320,000 <ALLOWANCE> 3,105,000 <TOTAL-ASSETS> 240,243,000 <DEPOSITS> 216,314,000 <SHORT-TERM> 499,000 <LIABILITIES-OTHER> 2,162,000 <LONG-TERM> 3,608,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 9,924,000 <OTHER-SE> 7,736,000 <TOTAL-LIABILITIES-AND-EQUITY> 240,243,000 <INTEREST-LOAN> 4,272,000 <INTEREST-INVEST> 357,000 <INTEREST-OTHER> 118,000 <INTEREST-TOTAL> 4,747,000 <INTEREST-DEPOSIT> 1,138,000 <INTEREST-EXPENSE> 1,229,000 <INTEREST-INCOME-NET> 3,518,000 <LOAN-LOSSES> 300,000 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 3,762,000 <INCOME-PRETAX> 974,000 <INCOME-PRE-EXTRAORDINARY> 974,000 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 533,000 <EPS-PRIMARY> .28 <EPS-DILUTED> .26 <YIELD-ACTUAL> 9.65 <LOANS-NON> 5,093,000 <LOANS-PAST> 0 <LOANS-TROUBLED> 4,536,000 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,916,000 <CHARGE-OFFS> 325,000 <RECOVERIES> 214,000 <ALLOWANCE-CLOSE> 3,105,000 <ALLOWANCE-DOMESTIC> 3,105,000 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0