<ARTICLE> 9
<MULTIPLIER> 1,000
       
                                                  
<PERIOD-TYPE>                   3-MOS                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1996             DEC-31-1995
<PERIOD-START>                             JAN-01-1996             JAN-01-1995
<PERIOD-END>                               MAR-31-1996             MAR-31-1995
<CASH>                                           9,217                   9,480
<INT-BEARING-DEPOSITS>                           3,900                     400
<FED-FUNDS-SOLD>                                     0                       0
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                     39,503                  21,180
<INVESTMENTS-CARRYING>                          50,796                  61,839
<INVESTMENTS-MARKET>                                 0                       0
<LOANS>                                        332,744                 319,344
<ALLOWANCE>                                      3,327                   3,264
<TOTAL-ASSETS>                                 451,060                 423,625
<DEPOSITS>                                     372,605                 360,903
<SHORT-TERM>                                    43,104                  31,774
<LIABILITIES-OTHER>                              2,912                   1,969
<LONG-TERM>                                          0                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                         50                      51
<COMMON>                                         2,349                   1,164
<OTHER-SE>                                      30,040                  27,764
<TOTAL-LIABILITIES-AND-EQUITY>                 451,060                 423,625
<INTEREST-LOAN>                                  7,110                   6,883
<INTEREST-INVEST>                                  970                     903
<INTEREST-OTHER>                                   438                     413
<INTEREST-TOTAL>                                 8,518                   8,199
<INTEREST-DEPOSIT>                               3,535                   3,086
<INTEREST-EXPENSE>                               4,075                   3,606
<INTEREST-INCOME-NET>                            4,443                   4,593
<LOAN-LOSSES>                                      296                     242
<SECURITIES-GAINS>                                   2                    (54)
<EXPENSE-OTHER>                                  3,102                   3,343
<INCOME-PRETAX>                                  1,632                   1,525
<INCOME-PRE-EXTRAORDINARY>                           0                       0
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                       992                     906
<EPS-PRIMARY>                                      .38                     .35
<EPS-DILUTED>                                      .38                     .35
<YIELD-ACTUAL>                                       0                       0
<LOANS-NON>                                          0                       0
<LOANS-PAST>                                         0                       0
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                     0                       0
<CHARGE-OFFS>                                        0                       0
<RECOVERIES>                                         0                       0
<ALLOWANCE-CLOSE>                                    0                       0
<ALLOWANCE-DOMESTIC>                                 0                       0
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0