<TABLE> <S> <C>

<ARTICLE>                                                                 9
<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>                                                                2,861
<INT-BEARING-DEPOSITS>                                                    0
<FED-FUNDS-SOLD>                                                      1,759
<TRADING-ASSETS>                                                      6,309
<INVESTMENTS-HELD-FOR-SALE>                                          21,922
<INVESTMENTS-CARRYING>                                                4,091
<INVESTMENTS-MARKET>                                                  3,899
<LOANS>                                                              65,998
<ALLOWANCE>                                                           1,624
<TOTAL-ASSETS>                                                      110,280
<DEPOSITS>                                                           95,939
<SHORT-TERM>                                                          1,200
<LIABILITIES-OTHER>                                                     859
<LONG-TERM>                                                             272
<PREFERRED-MANDATORY>                                                     0
<PREFERRED>                                                              16
<COMMON>                                                                 20
<OTHER-SE>                                                           11,974
<TOTAL-LIABILITIES-AND-EQUITY>                                      110,280
<INTEREST-LOAN>                                                       5,673
<INTEREST-INVEST>                                                     1,901
<INTEREST-OTHER>                                                        105
<INTEREST-TOTAL>                                                      7,679
<INTEREST-DEPOSIT>                                                    3,571
<INTEREST-EXPENSE>                                                    3,651
<INTEREST-INCOME-NET>                                                 4,028
<LOAN-LOSSES>                                                         (367)
<SECURITIES-GAINS>                                                    1,439
<EXPENSE-OTHER>                                                       5,803
<INCOME-PRETAX>                                                       2,145
<INCOME-PRE-EXTRAORDINARY>                                            2,145
<EXTRAORDINARY>                                                           0
<CHANGES>                                                                 0
<NET-INCOME>                                                          2,145
<EPS-PRIMARY>                                                          0.60
<EPS-DILUTED>                                                          0.50
<YIELD-ACTUAL>                                                         4.34
<LOANS-NON>                                                           2,052
<LOANS-PAST>                                                            609
<LOANS-TROUBLED>                                                          0
<LOANS-PROBLEM>                                                           0
<ALLOWANCE-OPEN>                                                      1,624
<CHARGE-OFFS>                                                           849
<RECOVERIES>                                                          1,216
<ALLOWANCE-CLOSE>                                                     1,624
<ALLOWANCE-DOMESTIC>                                                    544
<ALLOWANCE-FOREIGN>                                                       0
<ALLOWANCE-UNALLOCATED>                                               1,080


</TABLE>