<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-31-1996
<PERIOD-END>                              DEC-31-1996
<CASH>                                          6,385
<INT-BEARING-DEPOSITS>                            858
<FED-FUNDS-SOLD>                                1,772
<TRADING-ASSETS>                                   76
<INVESTMENTS-HELD-FOR-SALE>                     7,503
<INVESTMENTS-CARRYING>                          1,177
<INVESTMENTS-MARKET>                            1,172
<LOANS>                                        58,844
<ALLOWANCE>                                     1,488
<TOTAL-ASSETS>                                 85,518
<DEPOSITS>                                     67,071
<SHORT-TERM>                                    3,627
<LIABILITIES-OTHER>                             2,291
<LONG-TERM>                                     5,114
<PREFERRED-MANDATORY>                           3,148
<PREFERRED>                                         0
<COMMON>                                          953
<OTHER-SE>                                      3,314
<TOTAL-LIABILITIES-AND-EQUITY>                 85,518
<INTEREST-LOAN>                                 5,087
<INTEREST-INVEST>                                 755
<INTEREST-OTHER>                                    0
<INTEREST-TOTAL>                                5,842
<INTEREST-DEPOSIT>                              1,754
<INTEREST-EXPENSE>                              2,439
<INTEREST-INCOME-NET>                           3,403
<LOAN-LOSSES>                                     213
<SECURITIES-GAINS>                                 43
<EXPENSE-OTHER>                                 3,272
<INCOME-PRETAX>                                 1,931
<INCOME-PRE-EXTRAORDINARY>                      1,931
<EXTRAORDINARY>                                     0
<CHANGES>                                           0
<NET-INCOME>                                    1,139
<EPS-PRIMARY>                                    4.06
<EPS-DILUTED>                                    3.98
<YIELD-ACTUAL>                                   4.81
<LOANS-NON>                                       696
<LOANS-PAST>                                      247
<LOANS-TROUBLED>                                    9
<LOANS-PROBLEM>                                     0
<ALLOWANCE-OPEN>                                1,321
<CHARGE-OFFS>                                     484
<RECOVERIES>                                      114
<ALLOWANCE-CLOSE>                               1,488
<ALLOWANCE-DOMESTIC>                            1,488
<ALLOWANCE-FOREIGN>                                 0
<ALLOWANCE-UNALLOCATED>                           213
                                               


</TABLE>