<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-END> MAR-31-1996 <CASH> 6,999 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 38,168 <INVESTMENTS-CARRYING> 11,475 <INVESTMENTS-MARKET> 11,541 <LOANS> 127,828 <ALLOWANCE> 1,844 <TOTAL-ASSETS> 188,698 <DEPOSITS> 156,553 <SHORT-TERM> 13,004 <LIABILITIES-OTHER> 1,259 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 1,805 <OTHER-SE> 16,077 <TOTAL-LIABILITIES-AND-EQUITY> 188,698 <INTEREST-LOAN> 2,868 <INTEREST-INVEST> 681 <INTEREST-OTHER> 95 <INTEREST-TOTAL> 3,644 <INTEREST-DEPOSIT> 1,741 <INTEREST-EXPENSE> 1,919 <INTEREST-INCOME-NET> 1,725 <LOAN-LOSSES> 45 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 1,044 <INCOME-PRETAX> 996 <INCOME-PRE-EXTRAORDINARY> 996 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 656 <EPS-PRIMARY> .73 <EPS-DILUTED> .73 <YIELD-ACTUAL> 3.84 <LOANS-NON> 293 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 2,826 <ALLOWANCE-OPEN> 1,781 <CHARGE-OFFS> 11 <RECOVERIES> 29 <ALLOWANCE-CLOSE> 1,844 <ALLOWANCE-DOMESTIC> 1,844 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0