<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
This schedule contains summary financial information extracted from the December
31, 1996 consolidated financial statements and management's discussion and
analysis of financial condition and results of operations contained in the Form
10-K and is qualified in its entirety by reference to such financial statements.
</LEGEND>
       
<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-END>                               DEC-31-1995
<CASH>                                           4,344 
<INT-BEARING-DEPOSITS>                             161 
<FED-FUNDS-SOLD>                                    61 
<TRADING-ASSETS>                                    64 
<INVESTMENTS-HELD-FOR-SALE>                     18,533 
<INVESTMENTS-CARRYING>                             798 
<INVESTMENTS-MARKET>                               782 
<LOANS>                                         51,525 
<ALLOWANCE>                                      1,321 
<TOTAL-ASSETS>                                  84,432 
<DEPOSITS>                                      57,122 
<SHORT-TERM>                                    12,569 
<LIABILITIES-OTHER>                              1,895 
<LONG-TERM>                                      6,481 
<PREFERRED-MANDATORY>                            3,152 
<PREFERRED>                                          0 
<COMMON>                                           399 
<OTHER-SE>                                       2,814 
<TOTAL-LIABILITIES-AND-EQUITY>                  84,432 
<INTEREST-LOAN>                                  4,721 
<INTEREST-INVEST>                                1,304 
<INTEREST-OTHER>                                     0 
<INTEREST-TOTAL>                                 6,025 
<INTEREST-DEPOSIT>                               1,726 
<INTEREST-EXPENSE>                               3,005 
<INTEREST-INCOME-NET>                            3,020 
<LOAN-LOSSES>                                      101 
<SECURITIES-GAINS>                                  32 
<EXPENSE-OTHER>                                  3,550 
<INCOME-PRETAX>                                  1,034 
<INCOME-PRE-EXTRAORDINARY>                       1,034 
<EXTRAORDINARY>                                      0 
<CHANGES>                                            0 
<NET-INCOME>                                       610 
<EPS-PRIMARY>                                     1.71 
<EPS-DILUTED>                                     1.58 
<YIELD-ACTUAL>                                    4.12 
<LOANS-NON>                                        440 
<LOANS-PAST>                                       198 
<LOANS-TROUBLED>                                     0 
<LOANS-PROBLEM>                                      0 
<ALLOWANCE-OPEN>                                 1,496 
<CHARGE-OFFS>                                      418 
<RECOVERIES>                                       116 
<ALLOWANCE-CLOSE>                                1,321 
<ALLOWANCE-DOMESTIC>                             1,321 
<ALLOWANCE-FOREIGN>                                  0 
<ALLOWANCE-UNALLOCATED>                            236 
                                               


</TABLE>