<ARTICLE> 9
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               MAR-31-1996
<CASH>                                           7,209
<INT-BEARING-DEPOSITS>                             285
<FED-FUNDS-SOLD>                                 1,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     73,482
<INVESTMENTS-CARRYING>                          24,753
<INVESTMENTS-MARKET>                            24,563
<LOANS>                                         75,675
<ALLOWANCE>                                      1,387
<TOTAL-ASSETS>                                 187,132
<DEPOSITS>                                     124,413
<SHORT-TERM>                                    48,040
<LIABILITIES-OTHER>                              1,031
<LONG-TERM>                                      2,229
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         9,615
<OTHER-SE>                                       1,804
<TOTAL-LIABILITIES-AND-EQUITY>                 187,132
<INTEREST-LOAN>                                  1,846
<INTEREST-INVEST>                                1,505
<INTEREST-OTHER>                                    13
<INTEREST-TOTAL>                                 3,364
<INTEREST-DEPOSIT>                               1,033
<INTEREST-EXPENSE>                               1,749
<INTEREST-INCOME-NET>                            1,615
<LOAN-LOSSES>                                       60
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,362
<INCOME-PRETAX>                                    423
<INCOME-PRE-EXTRAORDINARY>                         423
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       262
<EPS-PRIMARY>                                      .06
<EPS-DILUTED>                                      .05
<YIELD-ACTUAL>                                    3.64
<LOANS-NON>                                      2,262
<LOANS-PAST>                                        83
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,400
<CHARGE-OFFS>                                       98
<RECOVERIES>                                        25
<ALLOWANCE-CLOSE>                                1,387
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,387