<TABLE> <S> <C>


<ARTICLE>                     9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM FORM 10-K
DATED 12/31/96 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FORM 10-K.
</LEGEND>


       
<S>                             <C>
<MULTIPLIER>                                         1,000
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                              DEC-31-1996
<PERIOD-END>                                   DEC-31-1996
<CASH>                                              21,044
<INT-BEARING-DEPOSITS>                                   0
<FED-FUNDS-SOLD>                                    10,700
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                         42,440
<INVESTMENTS-CARRYING>                              21,546
<INVESTMENTS-MARKET>                                21,390
<LOANS>                                            234,680
<ALLOWANCE>                                          4,696
<TOTAL-ASSETS>                                     342,229
<DEPOSITS>                                         289,924
<SHORT-TERM>                                        11,101
<LIABILITIES-OTHER>                                  1,031
<LONG-TERM>                                          5,562
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                                37
<OTHER-SE>                                          25,574
<TOTAL-LIABILITIES-AND-EQUITY>                     342,229
<INTEREST-LOAN>                                     18,795
<INTEREST-INVEST>                                    3,715
<INTEREST-OTHER>                                       189
<INTEREST-TOTAL>                                    22,698
<INTEREST-DEPOSIT>                                   9,406
<INTEREST-EXPENSE>                                   9,930
<INTEREST-INCOME-NET>                               12,769
<LOAN-LOSSES>                                        1,964
<SECURITIES-GAINS>                                       7
<EXPENSE-OTHER>                                     11,970
<INCOME-PRETAX>                                      2,177
<INCOME-PRE-EXTRAORDINARY>                           2,177
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                         9,984
<EPS-PRIMARY>                                         2.71
<EPS-DILUTED>                                         2.71
<YIELD-ACTUAL>                                           0
<LOANS-NON>                                          3,622
<LOANS-PAST>                                           671
<LOANS-TROUBLED>                                     1,580
<LOANS-PROBLEM>                                        364
<ALLOWANCE-OPEN>                                     5,893
<CHARGE-OFFS>                                        3,443
<RECOVERIES>                                           282
<ALLOWANCE-CLOSE>                                    4,696
<ALLOWANCE-DOMESTIC>                                 4,696
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                529

        
                                                          

</TABLE>