<ARTICLE> 9
<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>                                       2,767,682
<INT-BEARING-DEPOSITS>                       6,729,528
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                             1,245,142
<INVESTMENTS-HELD-FOR-SALE>                 69,318,964
<INVESTMENTS-CARRYING>                     111,604,993
<INVESTMENTS-MARKET>                       110,948,547
<LOANS>                                    161,100,799
<ALLOWANCE>                                    814,000
<TOTAL-ASSETS>                             362,272,392
<DEPOSITS>                                 298,243,447
<SHORT-TERM>                                16,638,000
<LIABILITIES-OTHER>                          4,512,405
<LONG-TERM>                                 17,000,000
<COMMON>                                        13,518
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                  25,865,022
<TOTAL-LIABILITIES-AND-EQUITY>             362,272,392
<INTEREST-LOAN>                              3,211,602
<INTEREST-INVEST>                            3,194,056
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                             6,222,197
<INTEREST-DEPOSIT>                           3,257,143
<INTEREST-EXPENSE>                           3,768,472
<INTEREST-INCOME-NET>                        2,453,725
<LOAN-LOSSES>                                   45,680
<SECURITIES-GAINS>                              90,611
<EXPENSE-OTHER>                              2,519,361
<INCOME-PRETAX>                                660,114
<INCOME-PRE-EXTRAORDINARY>                     417,614
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   417,614
<EPS-PRIMARY>                                      .32
<EPS-DILUTED>                                      .32
<YIELD-ACTUAL>                                    2.79
<LOANS-NON>                                    910,000
<LOANS-PAST>                                    74,000
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               771,000
<CHARGE-OFFS>                                    3,000
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                              814,000
<ALLOWANCE-DOMESTIC>                           184,000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        630,000