<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the 1996
report to shareholders and the 1996 Form 10-K and is qualified in its entirety
by reference to such financial statements.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               DEC-31-1996
<CASH>                                          41,190
<INT-BEARING-DEPOSITS>                             247
<FED-FUNDS-SOLD>                                 3,442
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     81,842
<INVESTMENTS-CARRYING>                         125,274
<INVESTMENTS-MARKET>                           126,373
<LOANS>                                        383,160
<ALLOWANCE>                                      5,306
<TOTAL-ASSETS>                                 656,551
<DEPOSITS>                                     496,553
<SHORT-TERM>                                    88,380
<LIABILITIES-OTHER>                              6,044
<LONG-TERM>                                     23,531
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         1,448
<OTHER-SE>                                      40,595
<TOTAL-LIABILITIES-AND-EQUITY>                 656,551
<INTEREST-LOAN>                                 32,970
<INTEREST-INVEST>                               12,726
<INTEREST-OTHER>                                   245
<INTEREST-TOTAL>                                45,941
<INTEREST-DEPOSIT>                              18,411
<INTEREST-EXPENSE>                              23,737
<INTEREST-INCOME-NET>                           22,204
<LOAN-LOSSES>                                      120
<SECURITIES-GAINS>                                 (9)
<EXPENSE-OTHER>                                 17,935
<INCOME-PRETAX>                                  9,948
<INCOME-PRE-EXTRAORDINARY>                       6,444
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     6,444
<EPS-PRIMARY>                                     2.22
<EPS-DILUTED>                                     2.22
<YIELD-ACTUAL>                                    3.96
<LOANS-NON>                                        384
<LOANS-PAST>                                       216
<LOANS-TROUBLED>                                 1,284
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 5,472
<CHARGE-OFFS>                                      368
<RECOVERIES>                                        82
<ALLOWANCE-CLOSE>                                5,306
<ALLOWANCE-DOMESTIC>                             2,017
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          3,289