<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