<ARTICLE>  9
<PERIOD-TYPE>   12-MOS
       
                                    
<FISCAL-YEAR-END>                      DEC-31-1996
<PERIOD-END>                           DEC-31-1996
<CASH>                                  20,158,000
<INT-BEARING-DEPOSITS>                     453,000
<FED-FUNDS-SOLD>                         6,500,000
<TRADING-ASSETS>                                 0
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<INVESTMENTS-CARRYING>                   3,480,000
<INVESTMENTS-MARKET>                     3,491,000
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<DEPOSITS>                             413,676,000
<SHORT-TERM>                            50,786,000
<LIABILITIES-OTHER>                      3,175,000
<LONG-TERM>                              6,200,000
<COMMON>                                 3,771,000
<PREFERRED-MANDATORY>                            0
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<OTHER-SE>                              33,033,000
<TOTAL-LIABILITIES-AND-EQUITY>         515,397,000
<INTEREST-LOAN>                         27,827,000
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<INTEREST-OTHER>                           245,000
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<INTEREST-DEPOSIT>                      15,310,000
<INTEREST-EXPENSE>                      17,805,000
<INTEREST-INCOME-NET>                   17,754,000
<LOAN-LOSSES>                              147,000
<SECURITIES-GAINS>                          (9,000)
<EXPENSE-OTHER>                         15,977,000
<INCOME-PRETAX>                          6,429,000
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<EXTRAORDINARY>                                  0
<CHANGES>                                        0
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<EPS-PRIMARY>                                 4.22
<EPS-DILUTED>                                 3.98
<YIELD-ACTUAL>                                3.98
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