<ARTICLE> 9
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               MAR-30-1996
<CASH>                                           7,891
<INT-BEARING-DEPOSITS>                          98,740
<FED-FUNDS-SOLD>                                 2,562
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     35,052
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                            34,782
<LOANS>                                        109,532
<ALLOWANCE>                                      1,459
<TOTAL-ASSETS>                                 160,894
<DEPOSITS>                                     125,350
<SHORT-TERM>                                    19,645
<LIABILITIES-OTHER>                              1,273
<LONG-TERM>                                      1,721
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         3,000
<OTHER-SE>                                       9,905
<TOTAL-LIABILITIES-AND-EQUITY>                 160,894
<INTEREST-LOAN>                                  2,790
<INTEREST-INVEST>                                  468
<INTEREST-OTHER>                                   162
<INTEREST-TOTAL>                                 3,420
<INTEREST-DEPOSIT>                               1,125
<INTEREST-EXPENSE>                               1,362
<INTEREST-INCOME-NET>                            2,058
<LOAN-LOSSES>                                      127
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,804
<INCOME-PRETAX>                                    642
<INCOME-PRE-EXTRAORDINARY>                         642
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       391
<EPS-PRIMARY>                                      .17
<EPS-DILUTED>                                      .17
<YIELD-ACTUAL>                                    9.11
<LOANS-NON>                                          0
<LOANS-PAST>                                        76
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    508
<ALLOWANCE-OPEN>                                 1,331
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                1,459
<ALLOWANCE-DOMESTIC>                             1,459
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0