<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE MORE
DETAILED FINANCIAL STATEMENTS OF THE COMPANY AND SUBSIDIARY AND NOTES THERETO
INCLUDED ELSEWHERE IN THIS REPORT AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
TO SUCH FINANCIALS.
</LEGEND>
<MULTIPLIER> 1,000
       
<S>                             <C>
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               DEC-31-1996
<CASH>                                          14,350
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     62,138
<INVESTMENTS-CARRYING>                          70,149
<INVESTMENTS-MARKET>                            70,306
<LOANS>                                        184,875
<ALLOWANCE>                                      2,370
<TOTAL-ASSETS>                                 341,818
<DEPOSITS>                                     268,413
<SHORT-TERM>                                    35,337
<LIABILITIES-OTHER>                              3,572
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         4,791
<OTHER-SE>                                      29,705
<TOTAL-LIABILITIES-AND-EQUITY>                 341,818
<INTEREST-LOAN>                                 15,808
<INTEREST-INVEST>                                8,221
<INTEREST-OTHER>                                   467
<INTEREST-TOTAL>                                24,496
<INTEREST-DEPOSIT>                               8,610
<INTEREST-EXPENSE>                              10,579
<INTEREST-INCOME-NET>                           13,917
<LOAN-LOSSES>                                      360
<SECURITIES-GAINS>                                  41
<EXPENSE-OTHER>                                 10,393
<INCOME-PRETAX>                                  6,179
<INCOME-PRE-EXTRAORDINARY>                       4,084
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     4,084
<EPS-PRIMARY>                                     8.55<F1>
<EPS-DILUTED>                                     8.55<F1>
<YIELD-ACTUAL>                                    4.48<F1>
<LOANS-NON>                                        377
<LOANS-PAST>                                        77
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  2,477<F2>
<ALLOWANCE-OPEN>                                 2,242
<CHARGE-OFFS>                                      429
<RECOVERIES>                                       197
<ALLOWANCE-CLOSE>                                2,370
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
<FN>
<F1>1,000 MULTIPLIER DOES NOT APPLY TO EARNINGS PER SHARE DATA OR YIELDS.
<F2>INCLUDES NON-ACCRUAL LOANS PLUS CONFEDERATED LIFE.
</FN>
        

</TABLE>