<ARTICLE> 9
<MULTIPLIER> 1
<CURRENCY> U.S. DOLLARS
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               MAR-31-1996
<EXCHANGE-RATE>                                      1
<CASH>                                      14,965,000
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                             1,200,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 26,517,000
<INVESTMENTS-CARRYING>                       7,613,000
<INVESTMENTS-MARKET>                         7,456,000
<LOANS>                                    149,025,000
<ALLOWANCE>                                  2,145,000
<TOTAL-ASSETS>                             211,571,000
<DEPOSITS>                                 188,378,000
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                          1,358,000
<LONG-TERM>                                  4,575,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         3,000
<OTHER-SE>                                  17,257,000
<TOTAL-LIABILITIES-AND-EQUITY>             211,571,000
<INTEREST-LOAN>                              3,789,000
<INTEREST-INVEST>                              555,000
<INTEREST-OTHER>                                79,000
<INTEREST-TOTAL>                             4,423,000
<INTEREST-DEPOSIT>                           1,171,000
<INTEREST-EXPENSE>                           1,293,000
<INTEREST-INCOME-NET>                        3,130,000
<LOAN-LOSSES>                                  250,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              3,005,000
<INCOME-PRETAX>                                445,000
<INCOME-PRE-EXTRAORDINARY>                     445,000
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   724,000
<EPS-PRIMARY>                                      .27
<EPS-DILUTED>                                      .22
<YIELD-ACTUAL>                                    6.75
<LOANS-NON>                                    763,000
<LOANS-PAST>                                   479,000
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             2,013,000
<CHARGE-OFFS>                                  186,000
<RECOVERIES>                                    68,000
<ALLOWANCE-CLOSE>                            2,145,000
<ALLOWANCE-DOMESTIC>                         2,145,000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0