<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET AND CONSOLIDATED STATEMENT OF INCOME FILED AS PART OF
THE ANNUAL REPORT ON FORM 10-K AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH ANNUAL REPORT ON FORM 10-K.
</LEGEND>
<MULTIPLIER> 1,000

<S>                             <C>
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               DEC-31-1996
<CASH>                                          13,520
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     24,089
<INVESTMENTS-CARRYING>                          32,510
<INVESTMENTS-MARKET>                            32,796
<LOANS>                                        152,678
<ALLOWANCE>                                      1,814
<TOTAL-ASSETS>                                 235,562
<DEPOSITS>                                     209,468
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              6,478
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         2,174
<OTHER-SE>                                      17,442
<TOTAL-LIABILITIES-AND-EQUITY>                 235,562
<INTEREST-LOAN>                                 13,716
<INTEREST-INVEST>                                3,218
<INTEREST-OTHER>                                    69
<INTEREST-TOTAL>                                17,003
<INTEREST-DEPOSIT>                               6,426
<INTEREST-EXPENSE>                               6,603
<INTEREST-INCOME-NET>                           10,400
<LOAN-LOSSES>                                      267
<SECURITIES-GAINS>                                  10
<EXPENSE-OTHER>                                  7,646
<INCOME-PRETAX>                                  4,208
<INCOME-PRE-EXTRAORDINARY>                       4,208
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,058
<EPS-PRIMARY>                                     3.24
<EPS-DILUTED>                                     3.24
<YIELD-ACTUAL>                                     5.7
<LOANS-NON>                                        450
<LOANS-PAST>                                       376
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  2,767
<ALLOWANCE-OPEN>                                 1,609
<CHARGE-OFFS>                                      170
<RECOVERIES>                                       108
<ALLOWANCE-CLOSE>                                1,814
<ALLOWANCE-DOMESTIC>                               623
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,191


</TABLE>