<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               MAR-31-1996
<CASH>                                       3,378,000
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                             4,400,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 32,437,000
<INVESTMENTS-CARRYING>                       2,038,000
<INVESTMENTS-MARKET>                         2,156,000
<LOANS>                                     54,053,000
<ALLOWANCE>                                    987,000
<TOTAL-ASSETS>                             104,214,000
<DEPOSITS>                                  89,433,000
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                            619,000
<LONG-TERM>                                  2,577,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     7,314,000
<OTHER-SE>                                   4,271,000
<TOTAL-LIABILITIES-AND-EQUITY>             104,214,000
<INTEREST-LOAN>                              1,344,000
<INTEREST-INVEST>                              534,000
<INTEREST-OTHER>                                62,000
<INTEREST-TOTAL>                             1,940,000
<INTEREST-DEPOSIT>                             759,000
<INTEREST-EXPENSE>                             828,000
<INTEREST-INCOME-NET>                        1,112,000
<LOAN-LOSSES>                                   55,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              1,105,000
<INCOME-PRETAX>                                181,000
<INCOME-PRE-EXTRAORDINARY>                     181,000
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   128,000
<EPS-PRIMARY>                                      .10
<EPS-DILUTED>                                      .10
<YIELD-ACTUAL>                                    4.85
<LOANS-NON>                                  1,236,000
<LOANS-PAST>                                   405,000
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               959,000
<CHARGE-OFFS>                                  100,000
<RECOVERIES>                                    73,000
<ALLOWANCE-CLOSE>                              987,000
<ALLOWANCE-DOMESTIC>                           987,000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        584,000