<ARTICLE> 9
<LEGEND> 
This schedule contains summary financial information extracted from 
Financial Statements as of and for the three months ended March 31, 1996 and 
March 31, 1995 and is qualified in its entirety by reference to such
financial statements. 
</LEGEND>
<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>                                6,014                   2,565
<INT-BEARING-DEPOSITS>                1,591                  33,077
<FED-FUNDS-SOLD>                          0                       0
<TRADING-ASSETS>                          0                       0
<INVESTMENTS-HELD-FOR-SALE>         251,246                 127,668
<INVESTMENTS-CARRYING>               71,195                 176,083
<INVESTMENTS-MARKET>                 71,377                 172,859
<LOANS>                             235,118                 184,145
<ALLOWANCE>                           4,043                   2,796
<TOTAL-ASSETS>                      579,731                 539,703
<DEPOSITS>                          329,152                 347,096
<SHORT-TERM>                         93,872                  48,898
<LIABILITIES-OTHER>                  10,580                  84,336
<LONG-TERM>                          84,499                  35,803
<COMMON>                             61,628                       0
<PREFERRED-MANDATORY>                     0                       0
<PREFERRED>                               0                       0
<OTHER-SE>                                0                  23,570
<TOTAL-LIABILITIES-AND-EQUITY>      579,731                 539,703
<INTEREST-LOAN>                       5,010                   4,065
<INTEREST-INVEST>                     6,339                   4,252
<INTEREST-OTHER>                        115                     185
<INTEREST-TOTAL>                     11,464                   8,502
<INTEREST-DEPOSIT>                    3,760                   3,757
<INTEREST-EXPENSE>                    6,483                   5,002
<INTEREST-INCOME-NET>                 4,981                   3,500
<LOAN-LOSSES>                           650                     130
<SECURITIES-GAINS>                      596                   (116)
<EXPENSE-OTHER>                       3,809                   3,101
<INCOME-PRETAX>                       1,394                     581
<INCOME-PRE-EXTRAORDINARY>              940                     404
<EXTRAORDINARY>                           0                       0
<CHANGES>                                 0                       0
<NET-INCOME>                            940                     404
<EPS-PRIMARY>                          0.23                       0
<EPS-DILUTED>                          0.23                       0
<YIELD-ACTUAL>                         7.81                    7.39
<LOANS-NON>                           3,840                   4,116
<LOANS-PAST>                              0                       0
<LOANS-TROUBLED>                          0                       0
<LOANS-PROBLEM>                           0                       0
<ALLOWANCE-OPEN>                      3,460                   2,714
<CHARGE-OFFS>                            67                      49
<RECOVERIES>                              0                       0
<ALLOWANCE-CLOSE>                     4,043                   2,796
<ALLOWANCE-DOMESTIC>                  1,689                   2,796
<ALLOWANCE-FOREIGN>                       0                       0
<ALLOWANCE-UNALLOCATED>               2,354                       0