<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 <FED-FUNDS-SOLD> 21,535 41,025 <TRADING-ASSETS> 0 0 <INVESTMENTS-HELD-FOR-SALE> 46,618 39,991 <INVESTMENTS-CARRYING> 10,298 10,269 <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 <ALLOWANCE-CLOSE> 4,428 3,968 <ALLOWANCE-DOMESTIC> 0 0 <ALLOWANCE-FOREIGN> 0 0 <ALLOWANCE-UNALLOCATED> 4,428 3,968