<ARTICLE> 9
<LEGEND>
This schedule contains Summary Financial Information extracted from Form 10-Q
dated 3/31/96 and is qualified in its entirety by reference to such Form 10-Q.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               MAR-31-1996
<CASH>                                          17,131
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 9,475
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     39,188
<INVESTMENTS-CARRYING>                          23,833
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        203,552
<ALLOWANCE>                                      5,164
<TOTAL-ASSETS>                                 297,465
<DEPOSITS>                                     272,697
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              1,249
<LONG-TERM>                                      7,547<F1>
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           147
<OTHER-SE>                                      15,824
<TOTAL-LIABILITIES-AND-EQUITY>                 297,465
<INTEREST-LOAN>                                  4,427
<INTEREST-INVEST>                                  911
<INTEREST-OTHER>                                    50
<INTEREST-TOTAL>                                 5,388
<INTEREST-DEPOSIT>                               2,256
<INTEREST-EXPENSE>                               2,362
<INTEREST-INCOME-NET>                            3,027
<LOAN-LOSSES>                                      576
<SECURITIES-GAINS>                                   7
<EXPENSE-OTHER>                                  2,730
<INCOME-PRETAX>                                    508
<INCOME-PRE-EXTRAORDINARY>                         508
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       734
<EPS-PRIMARY>                                      .05
<EPS-DILUTED>                                      .05
<YIELD-ACTUAL>                                    4.49
<LOANS-NON>                                      5,273
<LOANS-PAST>                                       540
<LOANS-TROUBLED>                                 1,650
<LOANS-PROBLEM>                                    757
<ALLOWANCE-OPEN>                                 5,893
<CHARGE-OFFS>                                    1,329
<RECOVERIES>                                        24
<ALLOWANCE-CLOSE>                                5,164
<ALLOWANCE-DOMESTIC>                             5,164
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0<F2>
<FN>
<F1>Includes 5,500 (in thousands) of Federal Home Loan Bank advances coming due
within one year.
<F2>Not reported on a quarterly basis.
</FN>