Net income                                  $ 3,334    $ 3,238
Adjustments to reconcile net
  income to net cash
Provided by operating activities:
  Depreciation and amortization                 451        359
  Amortization of securities premium
    (discount), net                              (3)       (15)
  Provision for loan losses                     360        251
  Deferred income taxes                        (193)       (78)
  (Increase) decrease in other assets        (1,191)      (151)
  Increase (decrease) in other liabilities      (79)      (510)

    Net cash provided by operating
      activities                              2,679      3,094

CASH FLOWS FROM INVESTING ACTIVITIES
Net (increase) decrease in
  interest-bearing deposits with banks       (6,232)     2,592
Net (increase) decrease in federal
  funds sold                                (15,786)     7,410
Securities held-to-maturity:
  Proceeds from maturities                       75         40
  Purchases                                      --         --
Securities available-for-sale:
  Proceeds from maturities                    9,145     10,085
  Purchases                                 (13,200)    (9,208)
Net increase in loans receivable            (14,634)   (20,474)
Purchases of premises and equipment          (3,264)      (709)
Purchase of life insurance                  _____--     (3,500)

  Net cash used in investing activities     (43,896)   (13,764)

CASH FLOWS FROM FINANCING ACTIVITIES
Net increase in non-interest bearing
  demand deposits, NOW, SuperNOW,
  money market and savings deposits          20,109      6,033
Net increase (decrease) in time deposits      4,083      5,604
Net increase (decrease) in securities
  sold under agreements to repurchase         1,925        995
Proceeds from long-term debt                  8,000      4,500
Repayments of long-term debt                 (4,263)      (223)
Dividends paid and cash in lieu of
  fractional shares                            (995)      (899)

  Net cash provided by financing
    activities                               28,859     16,010
  Net increase(decrease) in cash
    and due from banks                      (12,358)     5,340

Cash and due from banks:
  Beginning of year                          21,517     11,397
  End of period                             $ 9,159    $16,737
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