<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
registrant's March 31, 1996 unaudited balance sheet, income statement and cash
flow statement, and notes thereto, and is qualified in its entirety by reference
to such financial statements.
</LEGEND>
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               DEC-31-1996
<CASH>                                       6,694,000
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                            15,153,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 90,584,000
<INVESTMENTS-CARRYING>                      36,281,000
<INVESTMENTS-MARKET>                        35,533,000
<LOANS>                                    241,817,000
<ALLOWANCE>                                  1,568,000
<TOTAL-ASSETS>                             406,276,000
<DEPOSITS>                                 342,181,000
<SHORT-TERM>                                14,608,000
<LIABILITIES-OTHER>                          5,562,000
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     2,521,000
<OTHER-SE>                                  41,404,000
<TOTAL-LIABILITIES-AND-EQUITY>             406,276,000
<INTEREST-LOAN>                              4,781,000
<INTEREST-INVEST>                            2,101,000
<INTEREST-OTHER>                               177,000
<INTEREST-TOTAL>                             7,059,000
<INTEREST-DEPOSIT>                           3,557,000
<INTEREST-EXPENSE>                           3,772,000
<INTEREST-INCOME-NET>                        3,287,000
<LOAN-LOSSES>                                   64,000
<SECURITIES-GAINS>                            (20,000)
<EXPENSE-OTHER>                              2,368,000
<INCOME-PRETAX>                              1,421,000
<INCOME-PRE-EXTRAORDINARY>                   1,421,000
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   888,000
<EPS-PRIMARY>                                      .45
<EPS-DILUTED>                                      .45
<YIELD-ACTUAL>                                    3.38
<LOANS-NON>                                  1,062,000
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             1,578,000
<CHARGE-OFFS>                                   75,000
<RECOVERIES>                                     1,000
<ALLOWANCE-CLOSE>                            1,568,000
<ALLOWANCE-DOMESTIC>                         1,218,000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        350,000