WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.

  


<ARTICLE>                                            9

<MULTIPLIER>                                     1,000
<CURRENCY>                                           0
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               MAR-31-1996
<EXCHANGE-RATE>                                      0
<CASH>                                          12,056
<INT-BEARING-DEPOSITS>                          15,497
<FED-FUNDS-SOLD>                                   100
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                         102,946
<INVESTMENTS-MARKET>                           102,871
<LOANS>                                        320,354
<ALLOWANCE>                                      3,253
<TOTAL-ASSETS>                                 460,566
<DEPOSITS>                                     396,261
<SHORT-TERM>                                    13,686
<LIABILITIES-OTHER>                              3,785
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        13,269
<OTHER-SE>                                      33,565
<TOTAL-LIABILITIES-AND-EQUITY>                  46,834
<INTEREST-LOAN>                                  6,567
<INTEREST-INVEST>                                1,352
<INTEREST-OTHER>                                   203
<INTEREST-TOTAL>                                 8,122
<INTEREST-DEPOSIT>                               3,565
<INTEREST-EXPENSE>                               3,699
<INTEREST-INCOME-NET>                            4,423
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  2,477
<INCOME-PRETAX>                                  2,351
<INCOME-PRE-EXTRAORDINARY>                       2,351
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,581
<EPS-PRIMARY>                                      .30
<EPS-DILUTED>                                      .30
<YIELD-ACTUAL>                                    4.07
<LOANS-NON>                                      1,041
<LOANS-PAST>                                     2,376
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 3,274
<CHARGE-OFFS>                                       26
<RECOVERIES>                                         5
<ALLOWANCE-CLOSE>                                3,253
<ALLOWANCE-DOMESTIC>                             3,253
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0