<ARTICLE> 9
<LEGEND>
Consolidated Statements of Financial Condition at March 31, 1996 and
December 31, 1995; Consolidated Statements of Earnings for the three
months ended March 31, 1995 and 1996.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               MAR-31-1996
<CASH>                                           1,813
<INT-BEARING-DEPOSITS>                          16,258
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     37,943
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        186,938
<ALLOWANCE>                                        808
<TOTAL-ASSETS>                                 249,366
<DEPOSITS>                                     182,217
<SHORT-TERM>                                     1,227
<LIABILITIES-OTHER>                              2,011
<LONG-TERM>                                     13,131
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        25,039
<OTHER-SE>                                      25,741
<TOTAL-LIABILITIES-AND-EQUITY>                 249,366
<INTEREST-LOAN>                                  3,782
<INTEREST-INVEST>                                  553
<INTEREST-OTHER>                                   173
<INTEREST-TOTAL>                                 4,508
<INTEREST-DEPOSIT>                               2,406
<INTEREST-EXPENSE>                               2,649
<INTEREST-INCOME-NET>                            1,859
<LOAN-LOSSES>                                       17
<SECURITIES-GAINS>                                  15
<EXPENSE-OTHER>                                  1,119
<INCOME-PRETAX>                                    837
<INCOME-PRE-EXTRAORDINARY>                         837
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       555
<EPS-PRIMARY>                                      .14
<EPS-DILUTED>                                      .14
<YIELD-ACTUAL>                                   3.182
<LOANS-NON>                                        999
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   818
<CHARGE-OFFS>                                       27
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  808
<ALLOWANCE-DOMESTIC>                               808
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        
<FN>In thousands, except for per share and yield data.
</FN>