<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED INCOME STATEMENTS AND CONSOLIDATED BALANCE SHEETS FOUND ON
PAGES 102 AND 103 OF THE COMPANY'S FORM 10-K FOR THE YEAR-TO-DATE AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               DEC-31-1996
<CASH>                                           7,732
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 3,300
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    101,994
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        235,803
<ALLOWANCE>                                      3,944
<TOTAL-ASSETS>                                 354,812
<DEPOSITS>                                     320,456
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              3,054
<LONG-TERM>                                         46
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           726
<OTHER-SE>                                      30,530
<TOTAL-LIABILITIES-AND-EQUITY>                 354,812
<INTEREST-LOAN>                                 18,754
<INTEREST-INVEST>                                6,005
<INTEREST-OTHER>                                   300
<INTEREST-TOTAL>                                25,059
<INTEREST-DEPOSIT>                              13,454
<INTEREST-EXPENSE>                              13,550
<INTEREST-INCOME-NET>                           11,509
<LOAN-LOSSES>                                      300
<SECURITIES-GAINS>                                (58)
<EXPENSE-OTHER>                                  7,383
<INCOME-PRETAX>                                  5,213
<INCOME-PRE-EXTRAORDINARY>                       5,213
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     4,200
<EPS-PRIMARY>                                     1.91
<EPS-DILUTED>                                     1.91
<YIELD-ACTUAL>                                    7.85
<LOANS-NON>                                      1,269
<LOANS-PAST>                                     1,897
<LOANS-TROUBLED>                                   225
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 3,903
<CHARGE-OFFS>                                      726
<RECOVERIES>                                       467
<ALLOWANCE-CLOSE>                                3,944
<ALLOWANCE-DOMESTIC>                             3,944
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>