<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