[ARTICLE] 9
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.

                             
[PERIOD-TYPE]                   3-MOS
[FISCAL-YEAR-END]                          DEC-31-1996
[PERIOD-END]                               MAR-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