<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-END> MAR-31-1996 <CASH> 5,317 <INT-BEARING-DEPOSITS> 58,563 <FED-FUNDS-SOLD> 8,700 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 12,916 <INVESTMENTS-CARRYING> 19,545 <INVESTMENTS-MARKET> 19,545 <LOANS> 57,429 <ALLOWANCE> 969 <TOTAL-ASSETS> 96,646 <DEPOSITS> 85,549 <SHORT-TERM> 2,217 <LIABILITIES-OTHER> 945 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 3,662 <OTHER-SE> 0 <TOTAL-LIABILITIES-AND-EQUITY> 93,646 <INTEREST-LOAN> 1,525 <INTEREST-INVEST> 297 <INTEREST-OTHER> 36 <INTEREST-TOTAL> 1,858 <INTEREST-DEPOSIT> 545 <INTEREST-EXPENSE> 570 <INTEREST-INCOME-NET> 1,288 <LOAN-LOSSES> 0 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 1,100 <INCOME-PRETAX> 450 <INCOME-PRE-EXTRAORDINARY> 450 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 271 <EPS-PRIMARY> 0.25 <EPS-DILUTED> 0.22 <YIELD-ACTUAL> 6.34 <LOANS-NON> 110 <LOANS-PAST> 449 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 559 <ALLOWANCE-OPEN> 982 <CHARGE-OFFS> 14 <RECOVERIES> 1 <ALLOWANCE-CLOSE> 969 <ALLOWANCE-DOMESTIC> 969 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 470