<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