[ARTICLE] 9
This schedule contains summary financial information extracted from the
registrant's March 31, 1996 unaudited balance sheet, income statement and
cash flow statement, and notes thereto, and is qualified in its entirety by
reference to such financial statements.
<TABLE>
<S> <C>
[PERIOD-TYPE] 3-MOS
[FISCAL-YEAR-END] DEC-31-1996
[PERIOD-END] MAR-31-1996
[CASH] 6,694,000
[INT-BEARING-DEPOSITS] 0
[FED-FUNDS-SOLD] 15,153,000
[TRADING-ASSETS] 0
[INVESTMENTS-HELD-FOR-SALE] 90,584,000
[INVESTMENTS-CARRYING] 36,281,000
[INVESTMENTS-MARKET] 35,533,000
[LOANS] 241,817,000
[ALLOWANCE] 1,568,000
[TOTAL-ASSETS] 406,276,000
[DEPOSITS] 342,181,000
[SHORT-TERM] 14,608,000
[LIABILITIES-OTHER] 5,562,000
[LONG-TERM] 0
[PREFERRED-MANDATORY] 0
[PREFERRED] 0
[COMMON] 2,521,000
[OTHER-SE] 41,404,000
[TOTAL-LIABILITIES-AND-EQUITY] 406,276,000
[INTEREST-LOAN] 4,781,000
[INTEREST-INVEST] 2,101,000
[INTEREST-OTHER] 177,000
[INTEREST-TOTAL] 7,059,000
[INTEREST-DEPOSIT] 3,557,000
[INTEREST-EXPENSE] 3,772,000
[INTEREST-INCOME-NET] 3,287,000
[LOAN-LOSSES] 64,000
[SECURITIES-GAINS] (20,000)
[EXPENSE-OTHER] 2,368,000
[INCOME-PRETAX] 1,421,000
[INCOME-PRE-EXTRAORDINARY] 1,421,000
[EXTRAORDINARY] 0
[CHANGES] 0
[NET-INCOME] 888,000
[EPS-PRIMARY] .45
[EPS-DILUTED] .45
[YIELD-ACTUAL] 3.38
[LOANS-NON] 1,062,000
[LOANS-PAST] 0
[LOANS-TROUBLED] 0
[LOANS-PROBLEM] 0
[ALLOWANCE-OPEN] 1,578,000
[CHARGE-OFFS] 75,000
[RECOVERIES] 1,000
[ALLOWANCE-CLOSE] 1,568,000
[ALLOWANCE-DOMESTIC] 1,218,000
[ALLOWANCE-FOREIGN] 0
[ALLOWANCE-UNALLOCATED] 350,000
</TABLE>
