<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> MAR-31-1996 <PERIOD-START> JAN-01-1996 <PERIOD-END> MAR-31-1996 <CASH> 5,781 <INT-BEARING-DEPOSITS> 4,356 <FED-FUNDS-SOLD> 8,040 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 215 <INVESTMENTS-CARRYING> 1,724 <INVESTMENTS-MARKET> 1,726 <LOANS> 74,982 <ALLOWANCE> 1,343 <TOTAL-ASSETS> 97,618 <DEPOSITS> 89,673 <SHORT-TERM> 0 <LIABILITIES-OTHER> 340 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 6,915 <OTHER-SE> 690 <TOTAL-LIABILITIES-AND-EQUITY> 97,618 <INTEREST-LOAN> 2,008 <INTEREST-INVEST> 25 <INTEREST-OTHER> 215 <INTEREST-TOTAL> 2,248 <INTEREST-DEPOSIT> 735 <INTEREST-EXPENSE> 735 <INTEREST-INCOME-NET> 1,513 <LOAN-LOSSES> 72 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 1,211 <INCOME-PRETAX> 427 <INCOME-PRE-EXTRAORDINARY> 252 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 252 <EPS-PRIMARY> .33 <EPS-DILUTED> .29 <YIELD-ACTUAL> 10.07 <LOANS-NON> 2,105 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 2,886 <ALLOWANCE-OPEN> 1,050 <CHARGE-OFFS> 54 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 1,343 <ALLOWANCE-DOMESTIC> 1,343 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 144