<ARTICLE> 9 <LEGEND> This schedule contains summary financial information extracted from (a) Mar-31-1996 Form 10-Q and is qualified in its entirety by reference to such (b) financial statements. </LEGEND> <MULTIPLIER> 1,000 <CURRENCY> U.S. DOLLARS <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-START> JAN-01-1996 <PERIOD-END> MAR-31-1996 <EXCHANGE-RATE> 1 <CASH> 9,080 <INT-BEARING-DEPOSITS> 10,420 <FED-FUNDS-SOLD> 1,500 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 104,493 <INVESTMENTS-CARRYING> 6,703 <INVESTMENTS-MARKET> 6,943 <LOANS> 213,691 <ALLOWANCE> 4,533 <TOTAL-ASSETS> 354,882 <DEPOSITS> 316,620 <SHORT-TERM> 3,588 <LIABILITIES-OTHER> 2,437 <LONG-TERM> 469 <COMMON> 370 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 31,398 <TOTAL-LIABILITIES-AND-EQUITY> 354,882 <INTEREST-LOAN> 4,972 <INTEREST-INVEST> 2,000 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 6,972 <INTEREST-DEPOSIT> 2,814 <INTEREST-EXPENSE> 2,927 <INTEREST-INCOME-NET> 4,045 <LOAN-LOSSES> 135 <SECURITIES-GAINS> 201 <EXPENSE-OTHER> 2,402 <INCOME-PRETAX> 2,146 <INCOME-PRE-EXTRAORDINARY> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,629 <EPS-PRIMARY> 0.42 <EPS-DILUTED> 0.42 <YIELD-ACTUAL> 4.77 <LOANS-NON> 3,398 <LOANS-PAST> 0 <LOANS-TROUBLED> 990 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 4,533 <CHARGE-OFFS> 153 <RECOVERIES> 18 <ALLOWANCE-CLOSE> 4,533 <ALLOWANCE-DOMESTIC> 4,533 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0