<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM CONSOLIDATED
BALANCE SHEETS AS OF DECEMBER 31, 1996 AND DECEMBER 31, 1995 AND CONSOLIDATED
STATEMENTS OF OPERATIONS FOR THE TWELVE MONTHS ENDED DECEMBER 31, 1996, 1995 AND
1994 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FORM 10-K.
</LEGEND>
<MULTIPLIER> 1,000
<CURRENCY> U.S. DOLLARS
       
<S>                             <C>
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               DEC-31-1996
<EXCHANGE-RATE>                                      1
<CASH>                                          21,407
<INT-BEARING-DEPOSITS>                           1,400
<FED-FUNDS-SOLD>                                11,647
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    112,203
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        467,216
<ALLOWANCE>                                      6,374
<TOTAL-ASSETS>                                 629,061
<DEPOSITS>                                     549,248
<SHORT-TERM>                                     4,780
<LIABILITIES-OTHER>                              6,082
<LONG-TERM>                                     18,654
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        34,759
<OTHER-SE>                                      15,538
<TOTAL-LIABILITIES-AND-EQUITY>                 629,061
<INTEREST-LOAN>                                 44,842
<INTEREST-INVEST>                                8,399
<INTEREST-OTHER>                                 1,094
<INTEREST-TOTAL>                                54,335
<INTEREST-DEPOSIT>                              23,806
<INTEREST-EXPENSE>                              26,111
<INTEREST-INCOME-NET>                           28,224
<LOAN-LOSSES>                                    3,480
<SECURITIES-GAINS>                                  49
<EXPENSE-OTHER>                                 28,000
<INCOME-PRETAX>                                  8,379
<INCOME-PRE-EXTRAORDINARY>                       8,379
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     4,331
<EPS-PRIMARY>                                     2.58
<EPS-DILUTED>                                     2.57
<YIELD-ACTUAL>                                    4.65
<LOANS-NON>                                        607
<LOANS-PAST>                                       373
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 5,789
<CHARGE-OFFS>                                    2,033
<RECOVERIES>                                       472
<ALLOWANCE-CLOSE>                                6,374
<ALLOWANCE-DOMESTIC>                             6,055
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            319
        

</TABLE>