<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM (A) THE
CONSOLIDATED BALANCE SHEET AND CONSOLIDATED STATEMENT OF INCOME FILED AS PART OF
THE QUARTERLY REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
TO SUCH (B) QUARTERLY REPORT ON FORM 10-Q.
</LEGEND>
<MULTIPLIER> 1000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               MAR-31-1996
<CASH>                                          10,674
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     27,929
<INVESTMENTS-CARRYING>                          26,814
<INVESTMENTS-MARKET>                            27,026
<LOANS>                                        130,648
<ALLOWANCE>                                      1,709
<TOTAL-ASSETS>                                 206,482
<DEPOSITS>                                     183,217
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              4,510
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         2,147
<OTHER-SE>                                      16,608
<TOTAL-LIABILITIES-AND-EQUITY>                 206,482
<INTEREST-LOAN>                                  3,190
<INTEREST-INVEST>                                  894
<INTEREST-OTHER>                                    19
<INTEREST-TOTAL>                                 4,103
<INTEREST-DEPOSIT>                               1,565
<INTEREST-EXPENSE>                               1,603
<INTEREST-INCOME-NET>                            2,500
<LOAN-LOSSES>                                      117
<SECURITIES-GAINS>                                   5
<EXPENSE-OTHER>                                  1,867
<INCOME-PRETAX>                                    836
<INCOME-PRE-EXTRAORDINARY>                         836
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       642
<EPS-PRIMARY>                                      .69
<EPS-DILUTED>                                      .69
<YIELD-ACTUAL>                                    5.39
<LOANS-NON>                                        407
<LOANS-PAST>                                       371
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  1,644
<ALLOWANCE-OPEN>                                 1,609
<CHARGE-OFFS>                                       45
<RECOVERIES>                                        28
<ALLOWANCE-CLOSE>                                1,709
<ALLOWANCE-DOMESTIC>                               567
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,142