<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