<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
COMPANY'S ANNUAL REPORT ON FORM 10-K FOR THE FISCAL YEAR ENDED DECEMBER 31, 1996
AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               DEC-31-1996
<CASH>                                          19,782
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                57,075
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     69,044
<INVESTMENTS-CARRYING>                          90,170
<INVESTMENTS-MARKET>                            89,482
<LOANS>                                        287,116
<ALLOWANCE>                                      8,531
<TOTAL-ASSETS>                                 533,615
<DEPOSITS>                                     485,073
<SHORT-TERM>                                     1,000
<LIABILITIES-OTHER>                              9,184
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         4,677
<OTHER-SE>                                      33,681
<TOTAL-LIABILITIES-AND-EQUITY>                 533,615
<INTEREST-LOAN>                                 24,190
<INTEREST-INVEST>                                8,405
<INTEREST-OTHER>                                 2,567
<INTEREST-TOTAL>                                35,162
<INTEREST-DEPOSIT>                              11,760
<INTEREST-EXPENSE>                              11,818
<INTEREST-INCOME-NET>                           23,344
<LOAN-LOSSES>                                    1,350
<SECURITIES-GAINS>                                (45)
<EXPENSE-OTHER>                                 19,849
<INCOME-PRETAX>                                  8,701
<INCOME-PRE-EXTRAORDINARY>                       8,701
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     5,273
<EPS-PRIMARY>                                     1.13
<EPS-DILUTED>                                     1.10
<YIELD-ACTUAL>                                    5.05
<LOANS-NON>                                      8,384
<LOANS-PAST>                                     1,349
<LOANS-TROUBLED>                                 3,934
<LOANS-PROBLEM>                                  3,088
<ALLOWANCE-OPEN>                                 7,402
<CHARGE-OFFS>                                    1,264
<RECOVERIES>                                     1,043
<ALLOWANCE-CLOSE>                                8,531
<ALLOWANCE-DOMESTIC>                             8,531
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          5,819
        

</TABLE>