<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM DEC. 31 1996
FORM 10-K AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
<CURRENCY> U. S. DOLLARS
       
<S>                             <C>
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               DEC-31-1996
<EXCHANGE-RATE>                                      1
<CASH>                                           5,855
<INT-BEARING-DEPOSITS>                           6,733
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    104,937
<INVESTMENTS-CARRYING>                           6,678
<INVESTMENTS-MARKET>                             6,918
<LOANS>                                        225,849
<ALLOWANCE>                                      4,533
<TOTAL-ASSETS>                                 358,954
<DEPOSITS>                                     316,366
<SHORT-TERM>                                     4,256
<LIABILITIES-OTHER>                              3,216
<LONG-TERM>                                        671
<PREFERRED-MANDATORY>                              376
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                      34,069
<TOTAL-LIABILITIES-AND-EQUITY>                 358,954
<INTEREST-LOAN>                                 20,237
<INTEREST-INVEST>                                7,544
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                27,781
<INTEREST-DEPOSIT>                              11,147
<INTEREST-EXPENSE>                              11,469
<INTEREST-INCOME-NET>                           16,312
<LOAN-LOSSES>                                      116
<SECURITIES-GAINS>                                 250
<EXPENSE-OTHER>                                  9,768
<INCOME-PRETAX>                                  8,577
<INCOME-PRE-EXTRAORDINARY>                       8,577
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     6,609
<EPS-PRIMARY>                                     1.67
<EPS-DILUTED>                                     1.67
<YIELD-ACTUAL>                                    4.88
<LOANS-NON>                                      2,712
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                 1,400
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 4,533
<CHARGE-OFFS>                                      456
<RECOVERIES>                                       340
<ALLOWANCE-CLOSE>                                4,533
<ALLOWANCE-DOMESTIC>                             4,533
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>