<TABLE> <S> <C>

<ARTICLE>                                            9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
REGISTRANT'S AUDITED DECEMBER 31, 1996 YEAR END FINANCIAL STATEMENTS AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS


</LEGEND>

<S>                             <C>
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                              DEC-31-1996
<PERIOD-END>                                   DEC-31-1996
<CASH>                                           9,058,000
<INT-BEARING-DEPOSITS>                                   0
<FED-FUNDS-SOLD>                                14,500,000
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                      8,644,000
<INVESTMENTS-CARRYING>                          27,517,000
<INVESTMENTS-MARKET>                            27,546,000
<LOANS>                                         76,718,000
<ALLOWANCE>                                        861,000
<TOTAL-ASSETS>                                 139,060,000
<DEPOSITS>                                     126,333,000
<SHORT-TERM>                                             0
<LIABILITIES-OTHER>                                509,000
<LONG-TERM>                                              0
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                        10,647,000
<OTHER-SE>                                       1,571,000
<TOTAL-LIABILITIES-AND-EQUITY>                 139,060,000
<INTEREST-LOAN>                                  5,691,000
<INTEREST-INVEST>                                1,552,000
<INTEREST-OTHER>                                   357,000
<INTEREST-TOTAL>                                 7,870,000
<INTEREST-DEPOSIT>                               2,310,000
<INTEREST-EXPENSE>                               2,324,000
<INTEREST-INCOME-NET>                            5,546,000
<LOAN-LOSSES>                                      193,000
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                  3,615,000
<INCOME-PRETAX>                                  2,531,000
<INCOME-PRE-EXTRAORDINARY>                               0
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                     1,544,000
<EPS-PRIMARY>                                         1.41
<EPS-DILUTED>                                         1.29
<YIELD-ACTUAL>                                        7.95
<LOANS-NON>                                              0
<LOANS-PAST>                                       125,000
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                   692,000
<CHARGE-OFFS>                                       36,000
<RECOVERIES>                                        12,000
<ALLOWANCE-CLOSE>                                  861,000
<ALLOWANCE-DOMESTIC>                               861,000
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                            115,000



</TABLE>