<ARTICLE> 9 <LEGEND> THE SCHEDULE CONTAINS SUMMARY FINANIAL INFORMATION EXTRACTED FROM THE QUARTERLY REPORT ON FORM 10-Q FOR THE PERIOD ENDED MARCH 31, 1996 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> MAR-31-1996 <CASH> 2,208 <INT-BEARING-DEPOSITS> 1,425 <FED-FUNDS-SOLD> 1,426 <TRADING-ASSETS> 1,302 <INVESTMENTS-HELD-FOR-SALE> 5,064 <INVESTMENTS-CARRYING> 647 <INVESTMENTS-MARKET> 639 <LOANS> 31,402 <ALLOWANCE> (732) <TOTAL-ASSETS> 46,457 <DEPOSITS> 31,235 <SHORT-TERM> 5,073 <LIABILITIES-OTHER> 1,811 <LONG-TERM> 2,499 <PREFERRED-MANDATORY> 0 <PREFERRED> 508 <COMMON> 253 <OTHER-SE> 2,950 <TOTAL-LIABILITIES-AND-EQUITY> 46,457 <INTEREST-LOAN> 810 <INTEREST-INVEST> 103 <INTEREST-OTHER> 122 <INTEREST-TOTAL> 1,035 <INTEREST-DEPOSIT> 356 <INTEREST-EXPENSE> 601 <INTEREST-INCOME-NET> 434 <LOAN-LOSSES> 50 <SECURITIES-GAINS> 13 <EXPENSE-OTHER> 111 <INCOME-PRETAX> 205 <INCOME-PRE-EXTRAORDINARY> 117 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 117 <EPS-PRIMARY> .97 <EPS-DILUTED> .95 <YIELD-ACTUAL> 4.21 <LOANS-NON> 323 <LOANS-PAST> 9 <LOANS-TROUBLED> 17 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 736 <CHARGE-OFFS> (58) <RECOVERIES> 15 <ALLOWANCE-CLOSE> 732 <ALLOWANCE-DOMESTIC> 397 <ALLOWANCE-FOREIGN> 191 <ALLOWANCE-UNALLOCATED> 144