<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM UNAUDITED
CONSOLIDATED BALANCE SHEETS, CONSOLIDATED STATEMENTS OF OPERATIONS AND OTHER
INTERNALLY GENERATED REPORTS AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
<S>                             <C>                     <C>
<PERIOD-TYPE>                   12-MOS                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1996             DEC-31-1995
<PERIOD-END>                               DEC-31-1996             DEC-31-1995
<CASH>                                          10,247                   7,281
<INT-BEARING-DEPOSITS>                              20                   1,120
<FED-FUNDS-SOLD>                                 6,570                   5,470
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                     39,933                  53,875
<INVESTMENTS-CARRYING>                               0                       0
<INVESTMENTS-MARKET>                                 0                       0
<LOANS>                                        144,907                 115,105
<ALLOWANCE>                                    (2,146)                 (1,868)
<TOTAL-ASSETS>                                 214,738                 193,913
<DEPOSITS>                                     192,576                 174,526
<SHORT-TERM>                                         0                       0
<LIABILITIES-OTHER>                              1,787                   1,665
<LONG-TERM>                                        775                     787
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                        17,179                  14,852
<OTHER-SE>                                       2,421                   2,083
<TOTAL-LIABILITIES-AND-EQUITY>                 214,738                 193,913
<INTEREST-LOAN>                                 13,773                  11,391
<INTEREST-INVEST>                                2,366                   3,230
<INTEREST-OTHER>                                   423                     620
<INTEREST-TOTAL>                                16,562                  15,241
<INTEREST-DEPOSIT>                                   0                       0
<INTEREST-EXPENSE>                               5,549                   5,244
<INTEREST-INCOME-NET>                           11,013                   9,997
<LOAN-LOSSES>                                      533                     792
<SECURITIES-GAINS>                                 678                     109
<EXPENSE-OTHER>                                 11,325                   9,149
<INCOME-PRETAX>                                  4,902                   3,565
<INCOME-PRE-EXTRAORDINARY>                       4,902                   3,565
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     2,976                   2,202
<EPS-PRIMARY>                                    $1.93                   $1.47
<EPS-DILUTED>                                    $1.93                   $1.47
<YIELD-ACTUAL>                                    6.08                    5.93
<LOANS-NON>                                        218                     619
<LOANS-PAST>                                       122                     193
<LOANS-TROUBLED>                                   108                     268
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                 1,868                   1,331
<CHARGE-OFFS>                                    (374)                   (318)
<RECOVERIES>                                       119                      63
<ALLOWANCE-CLOSE>                                2,146                   1,868
<ALLOWANCE-DOMESTIC>                               637                     646
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                          1,509                   1,222
        

</TABLE>