<TABLE> <S> <C>


<ARTICLE>                                                          9
<MULTIPLIER>                                                   1,000

       

<S>                                                <C>
<PERIOD-TYPE>                                                     12-Mos
<FISCAL-YEAR-END>                                             Dec-31-1996
<PERIOD-END>                                                  Dec-31-1996
<CASH>                                                        24,322
<INT-BEARING-DEPOSITS>                                             0
<FED-FUNDS-SOLD>                                                   0
<TRADING-ASSETS>                                                   0
<INVESTMENTS-HELD-FOR-SALE>                                   55,252
<INVESTMENTS-CARRYING>                                        63,376
<INVESTMENTS-MARKET>                                          63,619
<LOANS>                                                      351,793
<ALLOWANCE>                                                    3,653
<TOTAL-ASSETS>                                               504,689
<DEPOSITS>                                                   430,013
<SHORT-TERM>                                                  16,250
<LIABILITIES-OTHER>                                            4,082
<LONG-TERM>                                                    9,983
<COMMON>                                                       4,733
<PREFERRED-MANDATORY>                                              0
<PREFERRED>                                                        0
<OTHER-SE>                                                    39,628
<TOTAL-LIABILITIES-AND-EQUITY>                               504,689
<INTEREST-LOAN>                                               29,132
<INTEREST-INVEST>                                              7,745
<INTEREST-OTHER>                                                 407
<INTEREST-TOTAL>                                              37,284
<INTEREST-DEPOSIT>                                            14,041
<INTEREST-EXPENSE>                                            14,599
<INTEREST-INCOME-NET>                                         22,685
<LOAN-LOSSES>                                                    700
<SECURITIES-GAINS>                                               242
<EXPENSE-OTHER>                                               16,382
<INCOME-PRETAX>                                                9,875
<INCOME-PRE-EXTRAORDINARY>                                     9,875
<EXTRAORDINARY>                                                    0
<CHANGES>                                                          0
<NET-INCOME>                                                   6,419
<EPS-PRIMARY>                                                      2.26
<EPS-DILUTED>                                                      2.26
<YIELD-ACTUAL>                                                     4.82
<LOANS-NON>                                                    2,084
<LOANS-PAST>                                                      25
<LOANS-TROUBLED>                                                 725
<LOANS-PROBLEM>                                                    0
<ALLOWANCE-OPEN>                                               3,647
<CHARGE-OFFS>                                                    902
<RECOVERIES>                                                     208
<ALLOWANCE-CLOSE>                                              3,653
<ALLOWANCE-DOMESTIC>                                           3,653
<ALLOWANCE-FOREIGN>                                                0
<ALLOWANCE-UNALLOCATED>                                          726