[ARTICLE] 9

                             
[PERIOD-TYPE]                   YEAR
[FISCAL-YEAR-END]                          DEC-31-1996
[PERIOD-END]                               DEC-31-1996
[CASH]                                          17,233
[INT-BEARING-DEPOSITS]                         305,491
[FED-FUNDS-SOLD]                                 2,075
[TRADING-ASSETS]                                     0
[INVESTMENTS-HELD-FOR-SALE]                     12,647
[INVESTMENTS-CARRYING]                         143,216
[INVESTMENTS-MARKET]                           143,221
[LOANS]                                        311,246
[ALLOWANCE]                                      4,472
[TOTAL-ASSETS]                                 510,078
[DEPOSITS]                                     353,240
[SHORT-TERM]                                    93,760
[LIABILITIES-OTHER]                              5,256
[LONG-TERM]                                          0
[PREFERRED-MANDATORY]                                0
[PREFERRED]                                          0
[COMMON]                                         2,436
[OTHER-SE]                                      55,386
[TOTAL-LIABILITIES-AND-EQUITY]                 510,078
[INTEREST-LOAN]                                 29,483
[INTEREST-INVEST]                               10,281
[INTEREST-OTHER]                                 1,251
[INTEREST-TOTAL]                                41,015
[INTEREST-DEPOSIT]                              13,982
[INTEREST-EXPENSE]                              19,105
[INTEREST-INCOME-NET]                           21,910
[LOAN-LOSSES]                                      838
[SECURITIES-GAINS]                                   0
[EXPENSE-OTHER]                                 12,338
[INCOME-PRETAX]                                 12,145
[INCOME-PRE-EXTRAORDINARY]                      12,145
[EXTRAORDINARY]                                      0
[CHANGES]                                            0
[NET-INCOME]                                     8,115
[EPS-PRIMARY]                                     3.48
[EPS-DILUTED]                                     3.43
[YIELD-ACTUAL]                                    8.67
[LOANS-NON]                                      1,674
[LOANS-PAST]                                       599
[LOANS-TROUBLED]                                     0
[LOANS-PROBLEM]                                  2,273
[ALLOWANCE-OPEN]                                 4,080
[CHARGE-OFFS]                                      656
[RECOVERIES]                                       210
[ALLOWANCE-CLOSE]                                4,472
[ALLOWANCE-DOMESTIC]                             4,175
[ALLOWANCE-FOREIGN]                                  0
[ALLOWANCE-UNALLOCATED]                            297