<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-END> MAR-31-1996 <CASH> 17,899 <INT-BEARING-DEPOSITS> 3,783 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 86,089 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 597,044 <ALLOWANCE> 2,713 <TOTAL-ASSETS> 745,381 <DEPOSITS> 583,140 <SHORT-TERM> 10,572 <LIABILITIES-OTHER> 9,709 <LONG-TERM> 60,669 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 58 <OTHER-SE> 81,233 <TOTAL-LIABILITIES-AND-EQUITY> 745,381 <INTEREST-LOAN> 8,933 <INTEREST-INVEST> 1,268 <INTEREST-OTHER> 123 <INTEREST-TOTAL> 10,324 <INTEREST-DEPOSIT> 4,508 <INTEREST-EXPENSE> 834 <INTEREST-INCOME-NET> 4,982 <LOAN-LOSSES> 114 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 3,765 <INCOME-PRETAX> 2,023 <INCOME-PRE-EXTRAORDINARY> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,296 <EPS-PRIMARY> 0.24 <EPS-DILUTED> 0.24 <YIELD-ACTUAL> 3.79 <LOANS-NON> 1,835 <LOANS-PAST> 683 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,251 <CHARGE-OFFS> 16 <RECOVERIES> 26 <ALLOWANCE-CLOSE> 2,713 <ALLOWANCE-DOMESTIC> 1,693 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1,020