<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
REGISTRANT'S AUDITED ANNUAL FINANCIAL STATEMENTS AND DISCLOSURES FOR THE PERIOD
ENDED DECEMBER 31, 1996 AS PRESENTED IN ITS 4TH QUARTER 1996 FORM 10-K AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS AND
DISCLOSURES.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               DEC-31-1996
<CASH>                                           31103
<INT-BEARING-DEPOSITS>                             152
<FED-FUNDS-SOLD>                                   500
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     185365
<INVESTMENTS-CARRYING>                           10352
<INVESTMENTS-MARKET>                             10351
<LOANS>                                         283721
<ALLOWANCE>                                       3975
<TOTAL-ASSETS>                                  532213
<DEPOSITS>                                      439649
<SHORT-TERM>                                     14371
<LIABILITIES-OTHER>                              12073
<LONG-TERM>                                      10000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         10750
<OTHER-SE>                                       45370
<TOTAL-LIABILITIES-AND-EQUITY>                  532213
<INTEREST-LOAN>                                  25314
<INTEREST-INVEST>                                11652
<INTEREST-OTHER>                                   545
<INTEREST-TOTAL>                                 37511
<INTEREST-DEPOSIT>                               14286
<INTEREST-EXPENSE>                               15043
<INTEREST-INCOME-NET>                            22468
<LOAN-LOSSES>                                      742
<SECURITIES-GAINS>                                 610
<EXPENSE-OTHER>                                  19408
<INCOME-PRETAX>                                   9424
<INCOME-PRE-EXTRAORDINARY>                        6158
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                      6158
<EPS-PRIMARY>                                     2.96
<EPS-DILUTED>                                     2.96
<YIELD-ACTUAL>                                    4.79
<LOANS-NON>                                       1494
<LOANS-PAST>                                       226
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                  3900
<CHARGE-OFFS>                                      754
<RECOVERIES>                                        87
<ALLOWANCE-CLOSE>                                 3975
<ALLOWANCE-DOMESTIC>                              1898
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                           2077