<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-START> JAN-01-1996 <PERIOD-END> MAR-31-1996 <CASH> 7,052 <INT-BEARING-DEPOSITS> 3,867 <FED-FUNDS-SOLD> 6,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 11,411 <INVESTMENTS-CARRYING> 12,053 <INVESTMENTS-MARKET> 11,594 <LOANS> 94,913 <ALLOWANCE> 1,007 <TOTAL-ASSETS> 138,090 <DEPOSITS> 112,718 <SHORT-TERM> 11,854 <LIABILITIES-OTHER> 507 <LONG-TERM> 1,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 1,728 <OTHER-SE> 10,283 <TOTAL-LIABILITIES-AND-EQUITY> 138,090 <INTEREST-LOAN> 2,226 <INTEREST-INVEST> 309 <INTEREST-OTHER> 32 <INTEREST-TOTAL> 2,567 <INTEREST-DEPOSIT> 946 <INTEREST-EXPENSE> 1,078 <INTEREST-INCOME-NET> 1,489 <LOAN-LOSSES> 0 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 1,295 <INCOME-PRETAX> 428 <INCOME-PRE-EXTRAORDINARY> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 280 <EPS-PRIMARY> 0.16 <EPS-DILUTED> 0.16 <YIELD-ACTUAL> 5.13 <LOANS-NON> 267 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,041 <CHARGE-OFFS> 38 <RECOVERIES> 4 <ALLOWANCE-CLOSE> 1,007 <ALLOWANCE-DOMESTIC> 1,007 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0