<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-END> DEC-31-1996 <CASH> 4543 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 18300 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 17949 <INVESTMENTS-CARRYING> 24111 <INVESTMENTS-MARKET> 24015 <LOANS> 52661 <ALLOWANCE> 628 <TOTAL-ASSETS> 121784 <DEPOSITS> 89444 <SHORT-TERM> 1500 <LIABILITIES-OTHER> 687 <LONG-TERM> 18201 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 4461 <OTHER-SE> 7491 <TOTAL-LIABILITIES-AND-EQUITY> 121784 <INTEREST-LOAN> 4395 <INTEREST-INVEST> 2419 <INTEREST-OTHER> 771 <INTEREST-TOTAL> 7585 <INTEREST-DEPOSIT> 2712 <INTEREST-EXPENSE> 3558 <INTEREST-INCOME-NET> 4027 <LOAN-LOSSES> (150) <SECURITIES-GAINS> (4) <EXPENSE-OTHER> 2866 <INCOME-PRETAX> 1660 <INCOME-PRE-EXTRAORDINARY> 1101 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1101 <EPS-PRIMARY> .98 <EPS-DILUTED> .97 <YIELD-ACTUAL> 7.9 <LOANS-NON> 0 <LOANS-PAST> 0 <LOANS-TROUBLED> 187 <LOANS-PROBLEM> 1140 <ALLOWANCE-OPEN> 776 <CHARGE-OFFS> 39 <RECOVERIES> 41 <ALLOWANCE-CLOSE> 628 <ALLOWANCE-DOMESTIC> 239 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 389