<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM FORM 10-Q
AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FORM 10-Q FILING.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               MAR-31-1996
<CASH>                                          13,465
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 8,850
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      7,908
<INVESTMENTS-CARRYING>                          48,539
<INVESTMENTS-MARKET>                            49,030
<LOANS>                                        153,488
<ALLOWANCE>                                      5,076
<TOTAL-ASSETS>                                 235,218
<DEPOSITS>                                     202,854
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              1,952
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        36,914
<OTHER-SE>                                     (6,486)
<TOTAL-LIABILITIES-AND-EQUITY>                 235,218
<INTEREST-LOAN>                                  4,132
<INTEREST-INVEST>                                  960
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 5,092
<INTEREST-DEPOSIT>                               1,122
<INTEREST-EXPENSE>                               1,136
<INTEREST-INCOME-NET>                            3,956
<LOAN-LOSSES>                                      225
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  2,790
<INCOME-PRETAX>                                  1,120
<INCOME-PRE-EXTRAORDINARY>                       1,120
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       925
<EPS-PRIMARY>                                      .20
<EPS-DILUTED>                                      .20
<YIELD-ACTUAL>                                    7.27
<LOANS-NON>                                      2,920
<LOANS-PAST>                                       497
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 4,960
<CHARGE-OFFS>                                      154
<RECOVERIES>                                        45
<ALLOWANCE-CLOSE>                                5,076
<ALLOWANCE-DOMESTIC>                             5,076
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0