<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