<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from
Consolidated Statement of Income and Balance Sheet and is qualified in its
entirety by reference to such financial statements.
</LEGEND>

<S>                             <C>                     <C>
<PERIOD-TYPE>                   12-MOS                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1996             DEC-31-1996
<PERIOD-END>                               DEC-31-1996             DEC-31-1996
<CASH>                                          13,236                       0
<INT-BEARING-DEPOSITS>                             160                       0
<FED-FUNDS-SOLD>                                 5,900                       0
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                     81,187                       0
<INVESTMENTS-CARRYING>                               0                       0
<INVESTMENTS-MARKET>                                 0                       0
<LOANS>                                        219,483                       0
<ALLOWANCE>                                      2,506                       0
<TOTAL-ASSETS>                                 328,346                       0
<DEPOSITS>                                     276,402                       0
<SHORT-TERM>                                    15,683                       0
<LIABILITIES-OTHER>                              3,512                       0
<LONG-TERM>                                      5,000                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                         1,251                       0
<OTHER-SE>                                      26,498                       0
<TOTAL-LIABILITIES-AND-EQUITY>                 328,346                       0
<INTEREST-LOAN>                                 18,266                   4,808
<INTEREST-INVEST>                                5,308                   1,332
<INTEREST-OTHER>                                   393                     135
<INTEREST-TOTAL>                                23,967                   6,275
<INTEREST-DEPOSIT>                              10,863                   2,838
<INTEREST-EXPENSE>                              12,006                   3,138
<INTEREST-INCOME-NET>                           11,961                   3,137
<LOAN-LOSSES>                                      150                      60
<SECURITIES-GAINS>                                   0                       0
<EXPENSE-OTHER>                                  8,619                   2,010
<INCOME-PRETAX>                                  4,694                   1,476
<INCOME-PRE-EXTRAORDINARY>                       4,694                   1,476
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     2,693                     894
<EPS-PRIMARY>                                     2.11                    0.71
<EPS-DILUTED>                                     2.11                    0.71
<YIELD-ACTUAL>                                    7.98                       0
<LOANS-NON>                                      1,245                       0
<LOANS-PAST>                                         5                       0
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                 2,754                       0
<CHARGE-OFFS>                                      456                       0
<RECOVERIES>                                        58                       0
<ALLOWANCE-CLOSE>                                2,506                       0
<ALLOWANCE-DOMESTIC>                             1,102                       0
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                          1,404                       0


</TABLE>