WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.

  

<ARTICLE> 9
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               MAR-31-1996
<CASH>                                          4,647
<INT-BEARING-DEPOSITS>                        230,744
<FED-FUNDS-SOLD>                                 -0-
<TRADING-ASSETS>                                 -0-
<INVESTMENTS-HELD-FOR-SALE>                     37,602
<INVESTMENTS-CARRYING>                           6,472
<INVESTMENTS-MARKET>                             6,504
<LOANS>                                        260,598 
<ALLOWANCE>                                     (3,160)  
<TOTAL-ASSETS>                                 321,558
<DEPOSITS>                                     241,935 
<SHORT-TERM>                                    34,176 
<LIABILITIES-OTHER>                              4,077
<LONG-TERM>                                     14,010  
<PREFERRED-MANDATORY>                             -0-
<PREFERRED>                                       -0-
<COMMON>                                         2,279
<OTHER-SE>                                      25,081
<TOTAL-LIABILITIES-AND-EQUITY>                 321,558  
<INTEREST-LOAN>                                  5,725  
<INTEREST-INVEST>                                  632
<INTEREST-OTHER>                                   100
<INTEREST-TOTAL>                                 6,457
<INTEREST-DEPOSIT>                               2,933
<INTEREST-EXPENSE>                               3,587
<INTEREST-INCOME-NET>                            2,870   
<LOAN-LOSSES>                                       85
<SECURITIES-GAINS>                                  26 
<EXPENSE-OTHER>                                  1,776
<INCOME-PRETAX>                                  1,232
<INCOME-PRE-EXTRAORDINARY>                       1,232
<EXTRAORDINARY>                                   -0-
<CHANGES>                                         -0-
<NET-INCOME>                                       780
<EPS-PRIMARY>                                     0.34
<EPS-DILUTED>                                     0.34
<YIELD-ACTUAL>                                    3.81
<LOANS-NON>                                      2,737
<LOANS-PAST>                                      -0-
<LOANS-TROUBLED>                                   652
<LOANS-PROBLEM>                                  1,876
<ALLOWANCE-OPEN>                                 3,062
<CHARGE-OFFS>                                     -0-
<RECOVERIES>                                        13
<ALLOWANCE-CLOSE>                                3,160
<ALLOWANCE-DOMESTIC>                             3,160
<ALLOWANCE-FOREIGN>                               -0-
<ALLOWANCE-UNALLOCATED>                           -0-