<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from (a) Item 7 -
"Financial Statements and Supplementary Data" and is qualified in its entirety
by reference to such (b) financial statements included in this report and
incorporated herein by reference.
</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>                                          37,522
<INT-BEARING-DEPOSITS>                             999
<FED-FUNDS-SOLD>                                23,135
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                          70,877
<INVESTMENTS-MARKET>                            70,835
<LOANS>                                        241,460
<ALLOWANCE>                                      4,372
<TOTAL-ASSETS>                                 376,832
<DEPOSITS>                                     338,663
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              1,837
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        30,856
<OTHER-SE>                                       5,476
<TOTAL-LIABILITIES-AND-EQUITY>                 376,832
<INTEREST-LOAN>                                 22,330
<INTEREST-INVEST>                                4,936
<INTEREST-OTHER>                                 2,035
<INTEREST-TOTAL>                                29,301
<INTEREST-DEPOSIT>                               9,859
<INTEREST-EXPENSE>                               9,859
<INTEREST-INCOME-NET>                           19,442
<LOAN-LOSSES>                                      352
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 11,115
<INCOME-PRETAX>                                  9,431
<INCOME-PRE-EXTRAORDINARY>                       9,431
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     5,860
<EPS-PRIMARY>                                     1.24
<EPS-DILUTED>                                     1.24
<YIELD-ACTUAL>                                    6.00
<LOANS-NON>                                        604
<LOANS-PAST>                                       209
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 4,446
<CHARGE-OFFS>                                      620
<RECOVERIES>                                       194
<ALLOWANCE-CLOSE>                                4,372
<ALLOWANCE-DOMESTIC>                             4,372
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>