<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-END> DEC-31-1996 <CASH> 6,578 <INT-BEARING-DEPOSITS> 15 <FED-FUNDS-SOLD> 5,080 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 24,505 <INVESTMENTS-CARRYING> 42,671 <INVESTMENTS-MARKET> 43,071 <LOANS> 122,938 <ALLOWANCE> 1,616 <TOTAL-ASSETS> 205,878 <DEPOSITS> 178,153 <SHORT-TERM> 0 <LIABILITIES-OTHER> 3,002 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 1,113 <OTHER-SE> 23,610 <TOTAL-LIABILITIES-AND-EQUITY> 205,878 <INTEREST-LOAN> 11,417 <INTEREST-INVEST> 3,407 <INTEREST-OTHER> 246 <INTEREST-TOTAL> 15,070 <INTEREST-DEPOSIT> 6,970 <INTEREST-EXPENSE> 6,970 <INTEREST-INCOME-NET> 8,100 <LOAN-LOSSES> 135 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 5,100 <INCOME-PRETAX> 3,447 <INCOME-PRE-EXTRAORDINARY> 2,660 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,660 <EPS-PRIMARY> 2.39 <EPS-DILUTED> 2.39 <YIELD-ACTUAL> 7.71 <LOANS-NON> 390 <LOANS-PAST> 462 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 898 <ALLOWANCE-OPEN> 1,523 <CHARGE-OFFS> 95 <RECOVERIES> 53 <ALLOWANCE-CLOSE> 1,616 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0