<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-START> JAN-01-1996 <PERIOD-END> MAR-31-1996 <CASH> 3121 <INT-BEARING-DEPOSITS> 237 <FED-FUNDS-SOLD> 6800 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 0 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 61362 <ALLOWANCE> 4725 <TOTAL-ASSETS> 95030 <DEPOSITS> 72781 <SHORT-TERM> 6500 <LIABILITIES-OTHER> 5023 <LONG-TERM> 1720 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 0 <OTHER-SE> 9006 <TOTAL-LIABILITIES-AND-EQUITY> 95030 <INTEREST-LOAN> 2278 <INTEREST-INVEST> 130 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 2408 <INTEREST-DEPOSIT> 1010 <INTEREST-EXPENSE> 1227 <INTEREST-INCOME-NET> 1181 <LOAN-LOSSES> 725 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 5636 <INCOME-PRETAX> 627 <INCOME-PRE-EXTRAORDINARY> 627 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 279 <EPS-PRIMARY> 0 <EPS-DILUTED> 0 <YIELD-ACTUAL> 6.18 <LOANS-NON> 781 <LOANS-PAST> 722 <LOANS-TROUBLED> 950 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 4229 <CHARGE-OFFS> 229 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 4725 <ALLOWANCE-DOMESTIC> 4725 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0