<TABLE> <S> <C>

<ARTICLE> 9
<MULTIPLIER> 1,000
       
<S>                             <C>                     <C>
<PERIOD-TYPE>                   3-MOS                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1996             DEC-31-1996
<PERIOD-END>                               MAR-31-1997             MAR-31-1996
<CASH>                                            4138                    2442
<INT-BEARING-DEPOSITS>                              59                     128
<FED-FUNDS-SOLD>                                  3000                    8900
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                      29280                   30920
<INVESTMENTS-CARRYING>                           29579                   29967
<INVESTMENTS-MARKET>                             28855                   29738
<LOANS>                                          56702                   51123
<ALLOWANCE>                                        760                     675
<TOTAL-ASSETS>                                  128596                  127390
<DEPOSITS>                                      106452                  112768
<SHORT-TERM>                                      5832                    3527
<LIABILITIES-OTHER>                                  0                       0
<LONG-TERM>                                       3749                    1749
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                        727                     727
<COMMON>                                          2051                    2051
<OTHER-SE>                                        5631                    5126
<TOTAL-LIABILITIES-AND-EQUITY>                  128596                  127390
<INTEREST-LOAN>                                   1253                    1045
<INTEREST-INVEST>                                 1048                    1172
<INTEREST-OTHER>                                     0                       0
<INTEREST-TOTAL>                                  2301                    2217
<INTEREST-DEPOSIT>                                 921                     725
<INTEREST-EXPENSE>                                  84                      62
<INTEREST-INCOME-NET>                             1296                    1270
<LOAN-LOSSES>                                       27                      10
<SECURITIES-GAINS>                                  21                      10
<EXPENSE-OTHER>                                   1194                    1164
<INCOME-PRETAX>                                    397                     418
<INCOME-PRE-EXTRAORDINARY>                         397                     418
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                       253                     272
<EPS-PRIMARY>                                     1.83                    2.37
<EPS-DILUTED>                                     1.66                    2.11
<YIELD-ACTUAL>                                    4.16                    4.02
<LOANS-NON>                                        981                     655
<LOANS-PAST>                                         0                     161
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                   750                     650
<CHARGE-OFFS>                                       29                       3
<RECOVERIES>                                        12                      18
<ALLOWANCE-CLOSE>                                  760                     675
<ALLOWANCE-DOMESTIC>                               655                     650
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                            105                      25
        

</TABLE>