<TABLE> <S> <C>

<PAGE>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM ANNUAL
REPORT AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
<S>                             <C>                     <C>
<PERIOD-TYPE>                   12-MOS                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1996             DEC-31-1995
<PERIOD-START>                             JAN-01-1996             JAN-01-1995
<PERIOD-END>                               DEC-31-1996             DEC-31-1995
<CASH>                                          10,375                   9,290
<INT-BEARING-DEPOSITS>                               0                       0
<FED-FUNDS-SOLD>                                   300                   3,100
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                     43,895                  39,383
<INVESTMENTS-CARRYING>                          54,392                  44,722
<INVESTMENTS-MARKET>                            54,618                  45,352
<LOANS>                                        348,463                 329,087
<ALLOWANCE>                                    (3,389)                 (3,380)
<TOTAL-ASSETS>                                 472,908                 437,803
<DEPOSITS>                                     410,222                 369,101
<SHORT-TERM>                                    25,536                  35,250
<LIABILITIES-OTHER>                              2,348                   1,606
<LONG-TERM>                                          0                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                         50                      50
<COMMON>                                         2,368                   2,339
<OTHER-SE>                                      32,384                  29,457
<TOTAL-LIABILITIES-AND-EQUITY>                 472,908                 437,803
<INTEREST-LOAN>                                 29,603                  28,127
<INTEREST-INVEST>                                5,838                   5,118
<INTEREST-OTHER>                                   322                     468
<INTEREST-TOTAL>                                35,763                  33,713
<INTEREST-DEPOSIT>                              14,759                  13,814
<INTEREST-EXPENSE>                              16,352                  15,752
<INTEREST-INCOME-NET>                           19,411                  17,961
<LOAN-LOSSES>                                    1,334                     917
<SECURITIES-GAINS>                             (1,021)                       0
<EXPENSE-OTHER>                                 13,586                  12,650
<INCOME-PRETAX>                                  6,226                   6,855
<INCOME-PRE-EXTRAORDINARY>                           0                       0
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     3,779                   4,151
<EPS-PRIMARY>                                     1.43                    1.60
<EPS-DILUTED>                                     1.41                    1.60
<YIELD-ACTUAL>                                       0                       0
<LOANS-NON>                                      3,288                   4,299
<LOANS-PAST>                                       345                   1,010
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                 3,380                   3,264
<CHARGE-OFFS>                                    1,406                     940
<RECOVERIES>                                        81                     139
<ALLOWANCE-CLOSE>                                3,389                   3,380
<ALLOWANCE-DOMESTIC>                             3,389                   3,380
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0
        

</TABLE>