<ARTICLE>                                            9
                    
<MULTIPLIER>                                     1,000
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               DEC-31-1996
<CASH>                                          52,231
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     65,316 
<INVESTMENTS-CARRYING>                         104,713
<INVESTMENTS-MARKET>                           103,488
<LOANS>                                        439,289
<ALLOWANCE>                                      6,097
<TOTAL-ASSETS>                                 694,859
<DEPOSITS>                                     595,621
<SHORT-TERM>                                     4,900
<LIABILITIES-OTHER>                              9,280
<LONG-TERM>                                     24,281
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        47,652
<OTHER-SE>                                      13,125 
<TOTAL-LIABILITIES-AND-EQUITY>                 694,859
<INTEREST-LOAN>                                 38,227
<INTEREST-INVEST>                               10,168
<INTEREST-OTHER>                                   392
<INTEREST-TOTAL>                                49,148
<INTEREST-DEPOSIT>                              17,201
<INTEREST-EXPENSE>                              19,179
<INTEREST-INCOME-NET>                           29,969
<LOAN-LOSSES>                                      777
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 23,485
<INCOME-PRETAX>                                 12,343
<INCOME-PRE-EXTRAORDINARY>                      12,343
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     7,306
<EPS-PRIMARY>                                     1.56
<EPS-DILUTED>                                     1.55
<YIELD-ACTUAL>                                    8.80
<LOANS-NON>                                      9,044
<LOANS-PAST>                                        20
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 5,580
<CHARGE-OFFS>                                    1,192  
<RECOVERIES>                                       309
<ALLOWANCE-CLOSE>                                6,097
<ALLOWANCE-DOMESTIC>                             6,097 
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0