<TABLE> <S> <C>

<ARTICLE> 9
       
<S>                             <C>                     <C>
<PERIOD-TYPE>                   YEAR                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1996             DEC-31-1995
<PERIOD-END>                               DEC-31-1996             DEC-31-1995
<CASH>                                            2767                    3344
<INT-BEARING-DEPOSITS>                              74                     321
<FED-FUNDS-SOLD>                                  8900                    6950
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                      30997                   30609
<INVESTMENTS-CARRYING>                           29866                   24494
<INVESTMENTS-MARKET>                             29517                   24434
<LOANS>                                          57419                   45294
<ALLOWANCE>                                        750                     650
<TOTAL-ASSETS>                                   56378                   44089
<DEPOSITS>                                      115854                  100889
<SHORT-TERM>                                      5175                    3661
<LIABILITIES-OTHER>                               3886                    1215
<LONG-TERM>                                       1749                    1749
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                        727                     200
<COMMON>                                          1150                    1120
<OTHER-SE>                                        6546                    5742
<TOTAL-LIABILITIES-AND-EQUITY>                  134951                  114410
<INTEREST-LOAN>                                   4804                    3607
<INTEREST-INVEST>                                 3693                    3382
<INTEREST-OTHER>                                   537                     481
<INTEREST-TOTAL>                                  9034                    7470
<INTEREST-DEPOSIT>                                3514                    2653
<INTEREST-EXPENSE>                                 288                     176
<INTEREST-INCOME-NET>                             5232                    4641
<LOAN-LOSSES>                                       91                     486
<SECURITIES-GAINS>                                   7                      10
<EXPENSE-OTHER>                                   4839                    4245
<INCOME-PRETAX>                                   1449                    1273
<INCOME-PRE-EXTRAORDINARY>                        1449                    1273
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                       945                     802
<EPS-PRIMARY>                                     8.31                    7.22
<EPS-DILUTED>                                     7.51                    6.51
<YIELD-ACTUAL>                                    4.26                    4.50  
<LOANS-NON>                                       1025                     839
<LOANS-PAST>                                        33                      31
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                   650                     625
<CHARGE-OFFS>                                       98                     559
<RECOVERIES>                                       107                      98
<ALLOWANCE-CLOSE>                                  750                     650
<ALLOWANCE-DOMESTIC>                               750                     650
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                            112                      20
        


</TABLE>