<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