<TABLE> <S> <C>


<ARTICLE>                                            9
<MULTIPLIER>                                                1
       
<S>                             <C>
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                                 DEC-31-1996
<PERIOD-END>                                      DEC-31-1996
<CASH>                                              7,744,012
<INT-BEARING-DEPOSITS>                                953,000
<FED-FUNDS-SOLD>                                   10,625,000
<TRADING-ASSETS>                                            0
<INVESTMENTS-HELD-FOR-SALE>                         4,725,151
<INVESTMENTS-CARRYING>                            113,474,908
<INVESTMENTS-MARKET>                              113,635,320
<LOANS>                                           209,016,895
<ALLOWANCE>                                         9,084,153
<TOTAL-ASSETS>                                    355,148,868
<DEPOSITS>                                        254,182,603
<SHORT-TERM>                                                0
<LIABILITIES-OTHER>                                11,571,988
<LONG-TERM>                                         4,813,607
<PREFERRED-MANDATORY>                                       0
<PREFERRED>                                                 0
<COMMON>                                           13,352,459
<OTHER-SE>                                         71,228,211
<TOTAL-LIABILITIES-AND-EQUITY>                    355,148,868
<INTEREST-LOAN>                                    25,109,566
<INTEREST-INVEST>                                   8,508,138
<INTEREST-OTHER>                                            0
<INTEREST-TOTAL>                                   33,617,704
<INTEREST-DEPOSIT>                                  9,711,456
<INTEREST-EXPENSE>                                    342,819
<INTEREST-INCOME-NET>                              23,563,429
<LOAN-LOSSES>                                      (1,487,734)
<SECURITIES-GAINS>                                          0
<EXPENSE-OTHER>                                    15,109,648
<INCOME-PRETAX>                                    14,144,001
<INCOME-PRE-EXTRAORDINARY>                                  0
<EXTRAORDINARY>                                             0
<CHANGES>                                                   0
<NET-INCOME>                                       10,236,890
<EPS-PRIMARY>                                            1.23
<EPS-DILUTED>                                            1.23
<YIELD-ACTUAL>                                           7.05
<LOANS-NON>                                         4,653,000
<LOANS-PAST>                                                0
<LOANS-TROUBLED>                                    1,063,000
<LOANS-PROBLEM>                                     1,928,415
<ALLOWANCE-OPEN>                                    9,747,000
<CHARGE-OFFS>                                       1,083,000
<RECOVERIES>                                        1,908,000
<ALLOWANCE-CLOSE>                                   9,084,000
<ALLOWANCE-DOMESTIC>                                9,084,000
<ALLOWANCE-FOREIGN>                                         0
<ALLOWANCE-UNALLOCATED>                                     0
                  

</TABLE>