<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>                                          22,144
<INT-BEARING-DEPOSITS>                          30,751
<FED-FUNDS-SOLD>                                11,750
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     28,814
<INVESTMENTS-CARRYING>                         127,795
<INVESTMENTS-MARKET>                           127,484
<LOANS>                                        185,976
<ALLOWANCE>                                      6,377
<TOTAL-ASSETS>                                 421,109
<DEPOSITS>                                     156,526
<SHORT-TERM>                                     4,253
<LIABILITIES-OTHER>                              7,149
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         5,000
<OTHER-SE>                                      39,324
<TOTAL-LIABILITIES-AND-EQUITY>                 421,109
<INTEREST-LOAN>                                  3,830
<INTEREST-INVEST>                                2,226
<INTEREST-OTHER>                                   582
<INTEREST-TOTAL>                                 6,638
<INTEREST-DEPOSIT>                               1,057
<INTEREST-EXPENSE>                               1,095
<INTEREST-INCOME-NET>                            5,543
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  9,067
<INCOME-PRETAX>                                  2,221
<INCOME-PRE-EXTRAORDINARY>                       2,221
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,475
<EPS-PRIMARY>                                      .76
<EPS-DILUTED>                                        0
<YIELD-ACTUAL>                                    .059
<LOANS-NON>                                        264
<LOANS-PAST>                                        46
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0<F1>
<ALLOWANCE-OPEN>                                 6,358
<CHARGE-OFFS>                                        1
<RECOVERIES>                                        20
<ALLOWANCE-CLOSE>                                6,377
<ALLOWANCE-DOMESTIC>                             6,377
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
<FN>
<F1>Information available only at year-end.