<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>                                          35,354
<INT-BEARING-DEPOSITS>                           1,768
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    185,348
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        484,742
<ALLOWANCE>                                      3,689
<TOTAL-ASSETS>                                 738,587
<DEPOSITS>                                     644,335
<SHORT-TERM>                                     3,500
<LIABILITIES-OTHER>                              9,342
<LONG-TERM>                                      4,132
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        21,008
<OTHER-SE>                                      55,430
<TOTAL-LIABILITIES-AND-EQUITY>                 738,587
<INTEREST-LOAN>                                 10,008
<INTEREST-INVEST>                                3,023
<INTEREST-OTHER>                                    56
<INTEREST-TOTAL>                                13,087
<INTEREST-DEPOSIT>                               5,245
<INTEREST-EXPENSE>                                 141
<INTEREST-INCOME-NET>                            7,701
<LOAN-LOSSES>                                      265
<SECURITIES-GAINS>                                 365
<EXPENSE-OTHER>                                  6,722
<INCOME-PRETAX>                                  2,792
<INCOME-PRE-EXTRAORDINARY>                       2,792
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,916
<EPS-PRIMARY>                                      .68
<EPS-DILUTED>                                      .68
<YIELD-ACTUAL>                                    4.84
<LOANS-NON>                                      1,739
<LOANS-PAST>                                       367
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    190
<ALLOWANCE-OPEN>                                 3,934
<CHARGE-OFFS>                                      609
<RECOVERIES>                                       100
<ALLOWANCE-CLOSE>                                3,689
<ALLOWANCE-DOMESTIC>                             2,872
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            817