<TABLE> <S> <C>


        
<S>       <C>   

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED
FROM 1996 CONSOLIDATED AUDITED FINANCIAL STATEMENTS AND GUIDE 3 
SUMMARY FINANCIAL DATA FILED AS PART OF FORM 10-K FOR THE YEAR
ENDED DEC 31, 1996, AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
TO SUCH DATA.
</LEGEND>
<MULTIPLIER> 1,000
       
                                           <C>
<PERIOD-TYPE>                              YEAR
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               DEC-31-1996
<CASH>                                          20,213
<INT-BEARING-DEPOSITS>                             150
<FED-FUNDS-SOLD>                                   500
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     86,444
<INVESTMENTS-CARRYING>                          57,153
<INVESTMENTS-MARKET>                            57,536
<LOANS>                                        345,238
<ALLOWANCE>                                      4,475
<TOTAL-ASSETS>                                 523,760
<DEPOSITS>                                     464,094
<SHORT-TERM>                                     3,286
<LIABILITIES-OTHER>                              3,946
<LONG-TERM>                                      3,345
<COMMON>                                        16,973
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                     523,760
<TOTAL-LIABILITIES-AND-EQUITY>                 523,760
<INTEREST-LOAN>                                 31,239
<INTEREST-INVEST>                                9,366
<INTEREST-OTHER>                                   891
<INTEREST-TOTAL>                                41,496
<INTEREST-DEPOSIT>                              18,211
<INTEREST-EXPENSE>                              19,541
<INTEREST-INCOME-NET>                           21,955
<LOAN-LOSSES>                                    1,221
<SECURITIES-GAINS>                                  13
<EXPENSE-OTHER>                                 14,916
<INCOME-PRETAX>                                 10,254
<INCOME-PRE-EXTRAORDINARY>                      10,254
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     7,390
<EPS-PRIMARY>                                     2.18
<EPS-DILUTED>                                     2.18
<YIELD-ACTUAL>                                    4.46
<LOANS-NON>                                        206
<LOANS-PAST>                                       968
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 4,250
<CHARGE-OFFS>                                    1,147
<RECOVERIES>                                       151
<ALLOWANCE-CLOSE>                                4,475
<ALLOWANCE-DOMESTIC>                             4,165
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            310

        


</TABLE>