<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