<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the Form
10-KSB and is qualified in its entirety by reference to such financial
statements.
</LEGEND>
       
<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               DEC-31-1996
<CASH>                                          18,129
<INT-BEARING-DEPOSITS>                          17,993
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     99,423<F1>
<INVESTMENTS-CARRYING>                           9,500
<INVESTMENTS-MARKET>                             9,493
<LOANS>                                        204,479<F2>
<ALLOWANCE>                                      3,676
<TOTAL-ASSETS>                                 370,433
<DEPOSITS>                                     304,154
<SHORT-TERM>                                    31,535<F3>
<LIABILITIES-OTHER>                              2,757
<LONG-TERM>                                        691
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         2,579
<OTHER-SE>                                      28,717
<TOTAL-LIABILITIES-AND-EQUITY>                 370,433
<INTEREST-LOAN>                                 18,073
<INTEREST-INVEST>                                6,504
<INTEREST-OTHER>                                   973
<INTEREST-TOTAL>                                25,550
<INTEREST-DEPOSIT>                              10,636
<INTEREST-EXPENSE>                              11,842
<INTEREST-INCOME-NET>                           13,708
<LOAN-LOSSES>                                      650
<SECURITIES-GAINS>                                 687
<EXPENSE-OTHER>                                 10,514
<INCOME-PRETAX>                                  5,725
<INCOME-PRE-EXTRAORDINARY>                       3,780
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,780
<EPS-PRIMARY>                                     1.79
<EPS-DILUTED>                                     1.78
<YIELD-ACTUAL>                                    4.31
<LOANS-NON>                                      2,022
<LOANS-PAST>                                        93
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 3,704
<CHARGE-OFFS>                                    1,193
<RECOVERIES>                                       515
<ALLOWANCE-CLOSE>                                3,676
<ALLOWANCE-DOMESTIC>                             3,676
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
<FN>
<F1>Securities available for sale, at market value
<F2>Loans net of unearned income and gross of allowance for possible loan losses
Excludes loans held for sale
<F3>Securities sold under agreements to repurchase
</FN>
        

</TABLE>