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<PAGE> 1
THIS IS A BOWNE TEST
<TABLE> <S> <C>
<ARTICLE> 9
<MULTIPLIER> 1,000
<CURRENCY> US DOLLARS
<S> <C>
<PERIOD-TYPE> 3-MOS
<FISCAL-YEAR-END> MAR-31-1996
<PERIOD-START> JAN-01-1996
<PERIOD-END> MAR-31-1996
<EXCHANGE-RATE> 1
<CASH> 9,662
<INT-BEARING-DEPOSITS> 17,363
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 23,608
<INVESTMENTS-CARRYING> 17,594
<INVESTMENTS-MARKET> 17,516
<LOANS> 131,681
<ALLOWANCE> 1,802
<TOTAL-ASSETS> 207,554
<DEPOSITS> 182,555
<SHORT-TERM> 4,464
<LIABILITIES-OTHER> 2,249
<LONG-TERM> 2,295
16,019
0
<COMMON> 0
<OTHER-SE> (28)
<TOTAL-LIABILITIES-AND-EQUITY> 207,554
<INTEREST-LOAN> 3,188
<INTEREST-INVEST> 575
<INTEREST-OTHER> 203
<INTEREST-TOTAL> 3,966
<INTEREST-DEPOSIT> 1,511
<INTEREST-EXPENSE> 1,601
<INTEREST-INCOME-NET> 2,365
<LOAN-LOSSES> 0
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 2,024
<INCOME-PRETAX> 888
<INCOME-PRE-EXTRAORDINARY> 596
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 596
<EPS-PRIMARY> .56
<EPS-DILUTED> .56
<YIELD-ACTUAL> 5.12
<LOANS-NON> 377
<LOANS-PAST> 6
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 145
<ALLOWANCE-OPEN> 1,795
<CHARGE-OFFS> 16
<RECOVERIES> 23
<ALLOWANCE-CLOSE> 1,802
<ALLOWANCE-DOMESTIC> 1,802
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 154
</TABLE>
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