<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 3-MOS YEAR <FISCAL-YEAR-END> DEC-31-1995 DEC-31-1995 <PERIOD-END> MAR-31-1996 DEC-31-1995 <CASH> 27,893 27,032 <INT-BEARING-DEPOSITS> 4,021 4,221 <FED-FUNDS-SOLD> 0 0 <TRADING-ASSETS> 0 0 <INVESTMENTS-HELD-FOR-SALE> 31,027 44,684 <INVESTMENTS-CARRYING> 154,657 161,481 <INVESTMENTS-MARKET> 154,181 163,140 <LOANS> 287,504 239,759 <ALLOWANCE> 1,513 1,484 <TOTAL-ASSETS> 519,196 490,358 <DEPOSITS> 337,992 337,069 <SHORT-TERM> 5,000 5,000 <LIABILITIES-OTHER> 8,547 6,598 <LONG-TERM> 93,359 68,359 <PREFERRED-MANDATORY> 0 0 <PREFERRED> 0 0 <COMMON> 529 529 <OTHER-SE> 73,769 72,803 <TOTAL-LIABILITIES-AND-EQUITY> 519,196 490,358 <INTEREST-LOAN> 5,280 11,501 <INTEREST-INVEST> 3,401 15,747 <INTEREST-OTHER> 309 2,382 <INTEREST-TOTAL> 8,990 29,630 <INTEREST-DEPOSIT> 3,178 13,368 <INTEREST-EXPENSE> 4,582 14,403 <INTEREST-INCOME-NET> 4,408 15,227 <LOAN-LOSSES> 30 72 <SECURITIES-GAINS> 223 16 <EXPENSE-OTHER> 2,746 9,975 <INCOME-PRETAX> 2,323 6,341 <INCOME-PRE-EXTRAORDINARY> 2,323 6,341 <EXTRAORDINARY> 0 0 <CHANGES> 0 0 <NET-INCOME> 1,394 3,871 <EPS-PRIMARY> .32 .83 <EPS-DILUTED> .32 .83 <YIELD-ACTUAL> 3.48 3.53 <LOANS-NON> 56 56 <LOANS-PAST> 1,545 1,747 <LOANS-TROUBLED> 0 0 <LOANS-PROBLEM> 0 0 <ALLOWANCE-OPEN> 1,484 1,463 <CHARGE-OFFS> 1 0 <RECOVERIES> 0 0 <ALLOWANCE-CLOSE> 1,513 1,484 <ALLOWANCE-DOMESTIC> 1,513 1,484 <ALLOWANCE-FOREIGN> 0 0 <ALLOWANCE-UNALLOCATED> 1,513 1,484