<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM CONSOLIDATED
STATEMENTS OF FINANCIAL CONDITION AT MARCH 31, 1996 AND DECEMBER 31, 1995;
CONSOLIDATED STATEMENTS OF OPERATIONS FOR THE THREE MONTHS ENDED MARCH 31, 1996
AND 1995 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FORM 10-Q QUARTER
ENDED MARCH 31, 1996
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               MAR-31-1996
<CASH>                                           5,359
<INT-BEARING-DEPOSITS>                          73,077
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                   376
<INVESTMENTS-HELD-FOR-SALE>                     66,827
<INVESTMENTS-CARRYING>                          50,051
<INVESTMENTS-MARKET>                            50,093
<LOANS>                                        413,669
<ALLOWANCE>                                    (3,761)
<TOTAL-ASSETS>                                 623,720
<DEPOSITS>                                     449,421
<SHORT-TERM>                                    48,474
<LIABILITIES-OTHER>                              5,023
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         7,381
<OTHER-SE>                                     113,421
<TOTAL-LIABILITIES-AND-EQUITY>                 623,720
<INTEREST-LOAN>                                  8,542
<INTEREST-INVEST>                                2,062
<INTEREST-OTHER>                                   801
<INTEREST-TOTAL>                                11,405
<INTEREST-DEPOSIT>                               5,159
<INTEREST-EXPENSE>                               5,912
<INTEREST-INCOME-NET>                            5,493
<LOAN-LOSSES>                                        8
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  3,552
<INCOME-PRETAX>                                  2,776
<INCOME-PRE-EXTRAORDINARY>                       1,779
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,179
<EPS-PRIMARY>                                      .26
<EPS-DILUTED>                                      .26
<YIELD-ACTUAL>                                    3.71
<LOANS-NON>                                      1,447
<LOANS-PAST>                                        64
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  4,637
<ALLOWANCE-OPEN>                                 3,826
<CHARGE-OFFS>                                       94
<RECOVERIES>                                        21
<ALLOWANCE-CLOSE>                                3,761
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          3,761