<ARTICLE> 9 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-START> JAN-01-1996 <PERIOD-END> MAR-31-1996 <CASH> 25,953,000 <INT-BEARING-DEPOSITS> 8,713,000 <FED-FUNDS-SOLD> 29,460,000 <TRADING-ASSETS> 1,844,000 <INVESTMENTS-HELD-FOR-SALE> 74,473,000 <INVESTMENTS-CARRYING> 76,778,000 <INVESTMENTS-MARKET> 76,680,000 <LOANS> 538,290,000 <ALLOWANCE> (8,541,000) <TOTAL-ASSETS> 794,478,000 <DEPOSITS> 631,299,000 <SHORT-TERM> 21,250,000 <LIABILITIES-OTHER> 84,381,000 <LONG-TERM> 319,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 6,567,000 <OTHER-SE> 50,662,000 <TOTAL-LIABILITIES-AND-EQUITY> 794,478,000 <INTEREST-LOAN> 12,485,000 <INTEREST-INVEST> 2,358,000 <INTEREST-OTHER> 705,000 <INTEREST-TOTAL> 15,548,000 <INTEREST-DEPOSIT> 6,184,000 <INTEREST-EXPENSE> 7,590,000 <INTEREST-INCOME-NET> 7,958,000 <LOAN-LOSSES> 147,000 <SECURITIES-GAINS> 31,000 <EXPENSE-OTHER> 528,000 <INCOME-PRETAX> 3,591,000 <INCOME-PRE-EXTRAORDINARY> 3,591,000 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,252,000 <EPS-PRIMARY> .35 <EPS-DILUTED> .35 <YIELD-ACTUAL> 8.54 <LOANS-NON> 1,283,000 <LOANS-PAST> 4,000 <LOANS-TROUBLED> 918,000 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 8,640,000 <CHARGE-OFFS> 648,000 <RECOVERIES> 402,000 <ALLOWANCE-CLOSE> 8,541,000 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0