<ARTICLE> 9 <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-END> DEC-31-1996 <CASH> 15307 <INT-BEARING-DEPOSITS> 400009 <FED-FUNDS-SOLD> 900 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 83711 <INVESTMENTS-CARRYING> 26357 <INVESTMENTS-MARKET> 26724 <LOANS> 382780 <ALLOWANCE> 2186 <TOTAL-ASSETS> 523621 <DEPOSITS> 452539 <SHORT-TERM> 8000 <LIABILITIES-OTHER> 5365 <LONG-TERM> 0 <COMMON> 64 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 56751 <TOTAL-LIABILITIES-AND-EQUITY> 523621 <INTEREST-LOAN> 32865 <INTEREST-INVEST> 6226 <INTEREST-OTHER> 182 <INTEREST-TOTAL> 39273 <INTEREST-DEPOSIT> 16376 <INTEREST-EXPENSE> 16376 <INTEREST-INCOME-NET> 22148 <LOAN-LOSSES> 0 <SECURITIES-GAINS> 24 <EXPENSE-OTHER> 17394 <INCOME-PRETAX> 9623 <INCOME-PRE-EXTRAORDINARY> 6479 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 6479 <EPS-PRIMARY> 1.00 <EPS-DILUTED> 0 <YIELD-ACTUAL> 4.97 <LOANS-NON> 977 <LOANS-PAST> 659 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 0 <CHARGE-OFFS> 847 <RECOVERIES> 165 <ALLOWANCE-CLOSE> 2186 <ALLOWANCE-DOMESTIC> 2186 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0