<TABLE> <S> <C>

<ARTICLE> 9
<MULTIPLIER> 1,000
       
<S>                             <C>                     <C>
<PERIOD-TYPE>                   12-MOS                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1996             DEC-31-1995
<PERIOD-END>                               DEC-31-1996             DEC-31-1995
<CASH>                                          12,506                  11,694
<INT-BEARING-DEPOSITS>                               0                       0
<FED-FUNDS-SOLD>                                 1,000                   1,850
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                     47,692                  39,944
<INVESTMENTS-CARRYING>                          28,055                  33,947
<INVESTMENTS-MARKET>                                 0                       0
<LOANS>                                        211,389                 191,906
<ALLOWANCE>                                      2,282                   2,216
<TOTAL-ASSETS>                                 313,069                 191,906
<DEPOSITS>                                     256,413                 237,160
<SHORT-TERM>                                    21,225                  19,745
<LIABILITIES-OTHER>                              2,831                   2,752
<LONG-TERM>                                      2,997                   4,652
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                           741                     733
<OTHER-SE>                                      28,862                  26,370
<TOTAL-LIABILITIES-AND-EQUITY>                 313,069                 291,412
<INTEREST-LOAN>                                 19,768                  17,693
<INTEREST-INVEST>                                4,935                   4,537
<INTEREST-OTHER>                                    77                     197
<INTEREST-TOTAL>                                24,781                  22,465
<INTEREST-DEPOSIT>                                   0                       0
<INTEREST-EXPENSE>                              11,959                  11,182
<INTEREST-INCOME-NET>                           12,822                  11,283
<LOAN-LOSSES>                                      609                     364
<SECURITIES-GAINS>                                 211                      60
<EXPENSE-OTHER>                                  9,889                   9,628
<INCOME-PRETAX>                                  5,693                   4,039
<INCOME-PRE-EXTRAORDINARY>                       5,693                   4,039
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     3,709                   2,706
<EPS-PRIMARY>                                     5.04                    3.72
<EPS-DILUTED>                                     5.04                    3.72
<YIELD-ACTUAL>                                    4.45                    4.22
<LOANS-NON>                                      1,118                     893
<LOANS-PAST>                                       177                     315
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                  2,856                   2,784
<ALLOWANCE-OPEN>                                 2,216                   2,054
<CHARGE-OFFS>                                      680                     365
<RECOVERIES>                                       137                     163
<ALLOWANCE-CLOSE>                                2,282                   2,216
<ALLOWANCE-DOMESTIC>                             2,282                   2,216
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0
        


</TABLE>