<TABLE> <S> <C>


<ARTICLE>                                            9
       
<S>                             <C>
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                              DEC-31-1996
<PERIOD-START>                                 JAN-01-1996
<PERIOD-END>                                   DEC-31-1996
<CASH>                                          12,078,000
<INT-BEARING-DEPOSITS>                           1,000,000
<FED-FUNDS-SOLD>                                17,680,000
<TRADING-ASSETS>                                         0      
<INVESTMENTS-HELD-FOR-SALE>                     41,648,000
<INVESTMENTS-CARRYING>                          26,395,000
<INVESTMENTS-MARKET>                            26,339,000
<LOANS>                                        165,070,000
<ALLOWANCE>                                      5,115,000
<TOTAL-ASSETS>                                 271,524,000
<DEPOSITS>                                     239,889,000
<SHORT-TERM>                                             0       
<LIABILITIES-OTHER>                              2,599,000
<LONG-TERM>                                              0       
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                         8,161,000
<OTHER-SE>                                      20,875,000
<TOTAL-LIABILITIES-AND-EQUITY>                 271,524,000
<INTEREST-LOAN>                                 13,993,000
<INTEREST-INVEST>                                3,772,000
<INTEREST-OTHER>                                   453,000
<INTEREST-TOTAL>                                18,218,000
<INTEREST-DEPOSIT>                               5,802,000
<INTEREST-EXPENSE>                               5,804,000
<INTEREST-INCOME-NET>                           12,414,000
<LOAN-LOSSES>                                      400,000
<SECURITIES-GAINS>                                 (16,000)
<EXPENSE-OTHER>                                 10,054,000
<INCOME-PRETAX>                                  4,334,000
<INCOME-PRE-EXTRAORDINARY>                       3,056,000
<EXTRAORDINARY>                                          0       
<CHANGES>                                                0       
<NET-INCOME>                                     3,056,000
<EPS-PRIMARY>                                          .37     
<EPS-DILUTED>                                          .37     
<YIELD-ACTUAL>                                        5.40  
<LOANS-NON>                                      1,053,000
<LOANS-PAST>                                       152,000
<LOANS-TROUBLED>                                 1,540,000
<LOANS-PROBLEM>                                    606,000
<ALLOWANCE-OPEN>                                 4,853,000
<CHARGE-OFFS>                                      941,000
<RECOVERIES>                                       803,000
<ALLOWANCE-CLOSE>                                5,115,000
<ALLOWANCE-DOMESTIC>                             5,115,000
<ALLOWANCE-FOREIGN>                                      0       
<ALLOWANCE-UNALLOCATED>                                  0      
        


</TABLE>