<ARTICLE> 9
<MULTIPLIER> 1000
       
                                                                                            

<PERIOD-TYPE>                   3-MOS                   6-MOS                   9-MOS                   12-MOS
YEAR
<FISCAL-YEAR-END>                          DEC-31-1996             DEC-31-1996             DEC-31-1996             DEC-31-1996
             DEC-31-1996
<PERIOD-START>                             JAN-01-1996             APR-01-1996             JUL-01-1996             OCT-01-1996
             JAN-01-1996
<PERIOD-END>                               MAR-31-1996             JUN-30-1996             SEP-30-1996             DEC-31-1996
             DEC-31-1996
<CASH>                                           11039                    9570                   12902                   14623
                   14623
<INT-BEARING-DEPOSITS>                            2485                    3261                     208                     199
                     199
<FED-FUNDS-SOLD>                                  6300                    5000                    7560                       0
                       0
<TRADING-ASSETS>                                     0                       0                       0                       0
                       0
<INVESTMENTS-HELD-FOR-SALE>                      69279                   78762                   84520                   87370
                   87370
<INVESTMENTS-CARRYING>                           70888                   66389                   70996                   88386
                   88386
<INVESTMENTS-MARKET>                             71090                   66093                   70859                   88621
                   88621
<LOANS>                                         221967                  222832                  225513                  237039
                  237039
<ALLOWANCE>                                       2800                    2882                    2981                    3070
                    3070
<TOTAL-ASSETS>                                  393983                  398640                  414975                  440158
                  440158
<DEPOSITS>                                      332124                  331137                  337896                  361983
                  361983
<SHORT-TERM>                                         0                       0                       0                    8425
                    8425
<LIABILITIES-OTHER>                              13197                   18632                   26476                   17532
                   17532
<LONG-TERM>                                          0                       0                       0                       0
                       0
<PREFERRED-MANDATORY>                                0                       0                       0                       0
                       0
<PREFERRED>                                          0                       0                       0                       0
                       0
<COMMON>                                          3280                    3280                    3280                    3280
                    3280
<OTHER-SE>                                       45382                   45591                   47323                   48938
                   48938
<TOTAL-LIABILITIES-AND-EQUITY>                  393983                  398640                  414975                  440158
                  440158
<INTEREST-LOAN>                                   4957                    4917                    5209                    5252
                   20335
<INTEREST-INVEST>                                 2127                    2101                    2325                    2609
                    9162
<INTEREST-OTHER>                                    68                     131                      38                     198
                     435
<INTEREST-TOTAL>                                  7152                    7149                    7572                    8059
                   29932
<INTEREST-DEPOSIT>                                3349                    3340                    3345                    3533
                   13567
<INTEREST-EXPENSE>                                3476                    3480                    3587                    3827
                   14370
<INTEREST-INCOME-NET>                             3676                    3669                    3985                    4232
                   15562
<LOAN-LOSSES>                                      131                     122                     165                     255
                     673
<SECURITIES-GAINS>                               (338)                       0                       0                       0
                   (338)
<EXPENSE-OTHER>                                   3313                    2086                    2496                    2272
                   10167
<INCOME-PRETAX>                                    875                    2255                    2037                    2246
                    7413
<INCOME-PRE-EXTRAORDINARY>                         875                    2255                    2037                    2246
                    7413
<EXTRAORDINARY>                                      0                       0                       0                       0
                       0
<CHANGES>                                            0                       0                       0                       0
                       0
<NET-INCOME>                                     (136)                    1558                    2033                    1577
                    5032
<EPS-PRIMARY>                                    (.04)                     .48                     .62                     .48
                    1.54
<EPS-DILUTED>                                    (.04)                     .48                     .62                     .48
                    1.54
<YIELD-ACTUAL>                                    3.96                    4.03                    4.00                    4.04
                    4.04
<LOANS-NON>                                        321                      41                     116                      33
                      33
<LOANS-PAST>                                       214                     300                     285                     479
                     479
<LOANS-TROUBLED>                                     0                       0                       0                       0
                       0
<LOANS-PROBLEM>                                      0                       0                       0                       0
                       0
<ALLOWANCE-OPEN>                                  2782                    2800                    2882                    2981
                    2782
<CHARGE-OFFS>                                      122                      72                     123                     185
                     502
<RECOVERIES>                                         9                      32                      56                      20
                     117
<ALLOWANCE-CLOSE>                                 2800                    2882                    2981                    3070
                    3070
<ALLOWANCE-DOMESTIC>                              2711                    2793                    2892                    2975
                    2975
<ALLOWANCE-FOREIGN>                                  0                       0                       0                       0
                       0
<ALLOWANCE-UNALLOCATED>                             89                      89                      89                      95
                      95