<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-START> JAN-01-1996 <PERIOD-END> MAR-31-1996 <CASH> 8,200 <INT-BEARING-DEPOSITS> 14 <FED-FUNDS-SOLD> 8,625 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 57,418 <INVESTMENTS-CARRYING> 20,925 <INVESTMENTS-MARKET> 21,383 <LOANS> 199,012 <ALLOWANCE> 2,255 <TOTAL-ASSETS> 304,383 <DEPOSITS> 261,210 <SHORT-TERM> 3,372 <LIABILITIES-OTHER> 1,998 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 6,912 <OTHER-SE> 30,891 <TOTAL-LIABILITIES-AND-EQUITY> 304,383 <INTEREST-LOAN> 4,511 <INTEREST-INVEST> 1,151 <INTEREST-OTHER> 59 <INTEREST-TOTAL> 5,721 <INTEREST-DEPOSIT> 2,432 <INTEREST-EXPENSE> 37 <INTEREST-INCOME-NET> 3,252 <LOAN-LOSSES> 0 <SECURITIES-GAINS> (13) <EXPENSE-OTHER> 2,196 <INCOME-PRETAX> 1,424 <INCOME-PRE-EXTRAORDINARY> 1,424 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,044 <EPS-PRIMARY> 0.61 <EPS-DILUTED> 0.61 <YIELD-ACTUAL> 8.32 <LOANS-NON> 154 <LOANS-PAST> 628 <LOANS-TROUBLED> 692 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,145 <CHARGE-OFFS> 32 <RECOVERIES> 17 <ALLOWANCE-CLOSE> 2,255 <ALLOWANCE-DOMESTIC> 2,255 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0