<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM (A) 1996
FIRST QUARTER 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH (B)
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               MAR-31-1996
<CASH>                                            2748
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                  2750
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                       8791
<INVESTMENTS-CARRYING>                            8198
<INVESTMENTS-MARKET>                              8432
<LOANS>                                          48845
<ALLOWANCE>                                       1007
<TOTAL-ASSETS>                                   74059
<DEPOSITS>                                       61948
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                               1175
<LONG-TERM>                                       2142
<COMMON>                                          1487
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                        7307
<TOTAL-LIABILITIES-AND-EQUITY>                   74059
<INTEREST-LOAN>                                   1112
<INTEREST-INVEST>                                  320
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                  1432
<INTEREST-DEPOSIT>                                 590
<INTEREST-EXPENSE>                                 621
<INTEREST-INCOME-NET>                              811
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                    673
<INCOME-PRETAX>                                    369
<INCOME-PRE-EXTRAORDINARY>                         369
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       268
<EPS-PRIMARY>                                      .90
<EPS-DILUTED>                                        0
<YIELD-ACTUAL>                                    4.89
<LOANS-NON>                                         19
<LOANS-PAST>                                        46
<LOANS-TROUBLED>                                    58
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   995
<CHARGE-OFFS>                                        4
<RECOVERIES>                                        16
<ALLOWANCE-CLOSE>                                 1007
<ALLOWANCE-DOMESTIC>                               150
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            857