<TABLE> <S> <C>



<ARTICLE>                                            9
<MULTIPLIER>                                      1000
       
<S>                                            <C>
<PERIOD-TYPE>                                  12-MOS
<FISCAL-YEAR-END>                              DEC-31-1996
<PERIOD-END>                                   DEC-31-1996
<CASH>                                               5,364
<INT-BEARING-DEPOSITS>                                   0
<FED-FUNDS-SOLD>                                     1,270
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                        106,551
<INVESTMENTS-CARRYING>                              86,128
<INVESTMENTS-MARKET>                                86,504
<LOANS>                                            324,838
<ALLOWANCE>                                          3,310
<TOTAL-ASSETS>                                     533,826
<DEPOSITS>                                         397,435
<SHORT-TERM>                                        56,000
<LIABILITIES-OTHER>                                  1,910
<LONG-TERM>                                          4,000
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                               469
<OTHER-SE>                                          74,012
<TOTAL-LIABILITIES-AND-EQUITY>                     533,826
<INTEREST-LOAN>                                     27,201
<INTEREST-INVEST>                                   13,792
<INTEREST-OTHER>                                         0
<INTEREST-TOTAL>                                    40,993
<INTEREST-DEPOSIT>                                  18,382
<INTEREST-EXPENSE>                                  21,182
<INTEREST-INCOME-NET>                               19,811
<LOAN-LOSSES>                                           60
<SECURITIES-GAINS>                                     251
<EXPENSE-OTHER>                                     12,569
<INCOME-PRETAX>                                      8,503
<INCOME-PRE-EXTRAORDINARY>                           8,503
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                         5,463
<EPS-PRIMARY>                                         1.06
<EPS-DILUTED>                                         1.05
<YIELD-ACTUAL>                                        8.16
<LOANS-NON>                                          1,760
<LOANS-PAST>                                             0
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                     3,217
<CHARGE-OFFS>                                           27
<RECOVERIES>                                            60
<ALLOWANCE-CLOSE>                                    3,310
<ALLOWANCE-DOMESTIC>                                 1,664
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                              1,646
        


</TABLE>