<ARTICLE> 9
<LEGEND>
Financial Data Schedule submitted under Item 601(a) (27) of Regulation S-B

This schedule contains summary financial information extracted from unaudited
financial statements for the period ended March 31, 1996 and is qualified
in its entirety by reference to such financial statements.
</LEGEND>
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               MAR-31-1997
<CASH>                                            $205
<INT-BEARING-DEPOSITS>                              $0
<FED-FUNDS-SOLD>                                 $2909
<TRADING-ASSETS>                                    $0
<INVESTMENTS-HELD-FOR-SALE>                      $4126
<INVESTMENTS-CARRYING>                              $0
<INVESTMENTS-MARKET>                                $0
<LOANS>                                          $7619
<ALLOWANCE>                                      ($83)
<TOTAL-ASSETS>                                 $17,173
<DEPOSITS>                                     $10,640
<SHORT-TERM>                                        $0
<LIABILITIES-OTHER>                                $67
<LONG-TERM>                                         $0
<PREFERRED-MANDATORY>                               $0
<PREFERRED>                                         $0
<COMMON>                                          $722
<OTHER-SE>                                      $5,744
<TOTAL-LIABILITIES-AND-EQUITY>                 $17,173
<INTEREST-LOAN>                                   $138
<INTEREST-INVEST>                                  $92
<INTEREST-OTHER>                                   $20
<INTEREST-TOTAL>                                  $250
<INTEREST-DEPOSIT>                                $104
<INTEREST-EXPENSE>                                $104
<INTEREST-INCOME-NET>                             $146
<LOAN-LOSSES>                                       $0
<SECURITIES-GAINS>                                  $0
<EXPENSE-OTHER>                                   $306
<INCOME-PRETAX>                                 ($146)
<INCOME-PRE-EXTRAORDINARY>                      ($146)
<EXTRAORDINARY>                                     $0
<CHANGES>                                           $0
<NET-INCOME>                                    ($146)
<EPS-PRIMARY>                                   ($.20)
<EPS-DILUTED>                                   ($.20)
<YIELD-ACTUAL>                                      $0
<LOANS-NON>                                         $0
<LOANS-PAST>                                        $1
<LOANS-TROUBLED>                                    $0
<LOANS-PROBLEM>                                     $0
<ALLOWANCE-OPEN>                                   $37
<CHARGE-OFFS>                                       $0
<RECOVERIES>                                        $0
<ALLOWANCE-CLOSE>                                  $83
<ALLOWANCE-DOMESTIC>                               $83
<ALLOWANCE-FOREIGN>                                 $0
<ALLOWANCE-UNALLOCATED>                             $0