<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
YEAR-END 10-K AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH 10-K.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               DEC-31-1996
<CASH>                                          10,080
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 1,910
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     62,534
<INVESTMENTS-CARRYING>                         108,710
<INVESTMENTS-MARKET>                           108,755
<LOANS>                                        196,173
<ALLOWANCE>                                      2,575
<TOTAL-ASSETS>                                 388,850
<DEPOSITS>                                     334,584
<SHORT-TERM>                                       627
<LIABILITIES-OTHER>                              3,838
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         9,482
<OTHER-SE>                                      40,319
<TOTAL-LIABILITIES-AND-EQUITY>                 388,850
<INTEREST-LOAN>                                 17,232
<INTEREST-INVEST>                               10,848
<INTEREST-OTHER>                                   567
<INTEREST-TOTAL>                                28,647
<INTEREST-DEPOSIT>                              13,009
<INTEREST-EXPENSE>                              13,036
<INTEREST-INCOME-NET>                           15,611
<LOAN-LOSSES>                                      331
<SECURITIES-GAINS>                                  97
<EXPENSE-OTHER>                                  9,515
<INCOME-PRETAX>                                  8,458
<INCOME-PRE-EXTRAORDINARY>                       8,458
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     6,117
<EPS-PRIMARY>                                     1.61
<EPS-DILUTED>                                     1.61
<YIELD-ACTUAL>                                    4.59
<LOANS-NON>                                        616
<LOANS-PAST>                                       458
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    725
<ALLOWANCE-OPEN>                                 2,625
<CHARGE-OFFS>                                      506
<RECOVERIES>                                       125
<ALLOWANCE-CLOSE>                                2,575
<ALLOWANCE-DOMESTIC>                             2,575
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,312