<ARTICLE> 9 <LEGEND> This schedule contains summary financial information extracted from the Balance Sheet, and Statement of Income, and is qualified in its entirety by reference to such financial statements. </LEGEND> <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-END> MAR-31-1996 <CASH> 9,286 <INT-BEARING-DEPOSITS> 100 <FED-FUNDS-SOLD> 3,700 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 3,091 <INVESTMENTS-CARRYING> 10,292 <INVESTMENTS-MARKET> 10,387 <LOANS> 66,124 <ALLOWANCE> 1,539 <TOTAL-ASSETS> 95,002 <DEPOSITS> 85,218 <SHORT-TERM> 500 <LIABILITIES-OTHER> 908 <LONG-TERM> 0 <PREFERRED-MANDATORY> 4,382 <PREFERRED> 0 <COMMON> 0 <OTHER-SE> 3,994 <TOTAL-LIABILITIES-AND-EQUITY> 95,002 <INTEREST-LOAN> 1,822 <INTEREST-INVEST> 205 <INTEREST-OTHER> 39 <INTEREST-TOTAL> 2,066 <INTEREST-DEPOSIT> 595 <INTEREST-EXPENSE> 597 <INTEREST-INCOME-NET> 1,469 <LOAN-LOSSES> 85 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 1,489 <INCOME-PRETAX> 593 <INCOME-PRE-EXTRAORDINARY> 593 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 343 <EPS-PRIMARY> 0.37 <EPS-DILUTED> 0.37 <YIELD-ACTUAL> 7.18 <LOANS-NON> 1,422 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,539 <CHARGE-OFFS> 68 <RECOVERIES> 6 <ALLOWANCE-CLOSE> 1,539 <ALLOWANCE-DOMESTIC> 1,539 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0