<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