<ARTICLE> 9
<MULTIPLIER> 1,000
       
                                                  
<PERIOD-TYPE>                   3-MOS                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1995             DEC-31-1995
<PERIOD-START>                             JAN-01-1996             JAN-01-1995
<PERIOD-END>                               MAR-31-1996             MAR-31-1995
<CASH>                                          16,855                  23,612
<INT-BEARING-DEPOSITS>                               0                       0
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<TRADING-ASSETS>                                     0                       0
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<INVESTMENTS-MARKET>                            10,462                  10,479
<LOANS>                                        223,305                 214,251
<ALLOWANCE>                                      4,428                   4,272
<TOTAL-ASSETS>                                 335,589                 341,505
<DEPOSITS>                                     293,385                 300,988
<SHORT-TERM>                                       529                   3,487
<LIABILITIES-OTHER>                              7,100                   3,095
<LONG-TERM>                                          0                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                         3,597                   3,597
<OTHER-SE>                                      30,978                  30,338
<TOTAL-LIABILITIES-AND-EQUITY>                 335,589                 341,505
<INTEREST-LOAN>                                  5,872                   5,176
<INTEREST-INVEST>                                  667                     802
<INTEREST-OTHER>                                   377                     314
<INTEREST-TOTAL>                                 7,051                   6,157
<INTEREST-DEPOSIT>                               2,910                   2,291
<INTEREST-EXPENSE>                               2,941                   2,348
<INTEREST-INCOME-NET>                            4,110                   3,809
<LOAN-LOSSES>                                      180                     180
<SECURITIES-GAINS>                                   3                       4
<EXPENSE-OTHER>                                  3,017                   3,000
<INCOME-PRETAX>                                  1,840                   1,515
<INCOME-PRE-EXTRAORDINARY>                           0                       0
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     1,235                   1,028
<EPS-PRIMARY>                                      .34                     .31
<EPS-DILUTED>                                      .34                     .31
<YIELD-ACTUAL>                                    9.12                    9.11
<LOANS-NON>                                      3,718                   ,3944
<LOANS-PAST>                                     5,764                   4,942
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                 4,272                   3,757
<CHARGE-OFFS>                                      153                      81
<RECOVERIES>                                       129                     112
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<ALLOWANCE-DOMESTIC>                                 0                       0
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                          4,428                   3,968