<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 3-MOS YEAR <FISCAL-YEAR-END> DEC-31-1996 DEC-31-1995 <PERIOD-END> MAR-31-1996 DEC-31-1995 <CASH> 5,956 5,343 <INT-BEARING-DEPOSITS> 983 255 <FED-FUNDS-SOLD> 12,050 850 <TRADING-ASSETS> 0 0 <INVESTMENTS-HELD-FOR-SALE> 43,323 36,671 <INVESTMENTS-CARRYING> 55,075 48,881 <INVESTMENTS-MARKET> 54,958 49,034 <LOANS> 151,440 152,095 <ALLOWANCE> 2,096 2,125 <TOTAL-ASSETS> 241,972 217,262 <DEPOSITS> 205,603 187,299 <SHORT-TERM> 7,895 2,031 <LIABILITIES-OTHER> 3,168 2,031 <LONG-TERM> 2,582 2,582 <PREFERRED-MANDATORY> 0 0 <PREFERRED> 0 0 <COMMON> 90 90 <OTHER-SE> 22,634 22,692 <TOTAL-LIABILITIES-AND-EQUITY> 241,972 217,262 <INTEREST-LOAN> 3,482 13,396 <INTEREST-INVEST> 806 1,875 <INTEREST-OTHER> 24 552 <INTEREST-TOTAL> 4,312 15,823 <INTEREST-DEPOSIT> 1,795 6,523 <INTEREST-EXPENSE> 1,965 6,896 <INTEREST-INCOME-NET> 2,347 8,927 <LOAN-LOSSES> 150 619 <SECURITIES-GAINS> 0 146 <EXPENSE-OTHER> 1,736 6,881 <INCOME-PRETAX> 709 2,454 <INCOME-PRE-EXTRAORDINARY> 709 2,454 <EXTRAORDINARY> 0 0 <CHANGES> 0 0 <NET-INCOME> 538 1,802 <EPS-PRIMARY> .62 2.03 <EPS-DILUTED> .62 2.03 <YIELD-ACTUAL> 4.76 4.82 <LOANS-NON> 3,501 3,825 <LOANS-PAST> 575 1,881 <LOANS-TROUBLED> 0 0 <LOANS-PROBLEM> 0 0 <ALLOWANCE-OPEN> 2,125 1,893 <CHARGE-OFFS> 120 924 <RECOVERIES> 31 537 <ALLOWANCE-CLOSE> 2,096 2,125 <ALLOWANCE-DOMESTIC> 2,096 2,125 <ALLOWANCE-FOREIGN> 0 0 <ALLOWANCE-UNALLOCATED> 221 120