<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