<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