<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-END> MAR-31-1996 <CASH> 14,776 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 5,500 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 90,108 <INVESTMENTS-CARRYING> 27,284 <INVESTMENTS-MARKET> 28,231 <LOANS> 419,055 <ALLOWANCE> 5,367 <TOTAL-ASSETS> 595,716 <DEPOSITS> 425,495 <SHORT-TERM> 114,514 <LIABILITIES-OTHER> 7,206 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 2,723 <OTHER-SE> 45,748 <TOTAL-LIABILITIES-AND-EQUITY> 595,716 <INTEREST-LOAN> 10,398 <INTEREST-INVEST> 1,780 <INTEREST-OTHER> 210 <INTEREST-TOTAL> 12,388 <INTEREST-DEPOSIT> 3,346 <INTEREST-EXPENSE> 5,017 <INTEREST-INCOME-NET> 7,371 <LOAN-LOSSES> 207 <SECURITIES-GAINS> (51) <EXPENSE-OTHER> 5,707 <INCOME-PRETAX> 2,681 <INCOME-PRE-EXTRAORDINARY> 1,890 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,890 <EPS-PRIMARY> .69 <EPS-DILUTED> .69 <YIELD-ACTUAL> 5.48 <LOANS-NON> 2,083 <LOANS-PAST> 199 <LOANS-TROUBLED> 245 <LOANS-PROBLEM> 2,300 <ALLOWANCE-OPEN> 5,243 <CHARGE-OFFS> 165 <RECOVERIES> 82 <ALLOWANCE-CLOSE> 5,367 <ALLOWANCE-DOMESTIC> 2,078 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 3,289