<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               DEC-31-1996
<CASH>                                          28,086
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 9,130
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    157,306
<INVESTMENTS-CARRYING>                          33,789
<INVESTMENTS-MARKET>                            34,192
<LOANS>                                        497,928
<ALLOWANCE>                                      5,713
<TOTAL-ASSETS>                                 761,104
<DEPOSITS>                                     665,798
<SHORT-TERM>                                    10,347
<LIABILITIES-OTHER>                              6,394
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        13,300
<OTHER-SE>                                      65,265
<TOTAL-LIABILITIES-AND-EQUITY>                 761,104
<INTEREST-LOAN>                                 43,251
<INTEREST-INVEST>                               13,091
<INTEREST-OTHER>                                   752
<INTEREST-TOTAL>                                57,094
<INTEREST-DEPOSIT>                              25,104
<INTEREST-EXPENSE>                                 565
<INTEREST-INCOME-NET>                           31,425
<LOAN-LOSSES>                                      880
<SECURITIES-GAINS>                               (372)
<EXPENSE-OTHER>                                 22,194
<INCOME-PRETAX>                                 13,418
<INCOME-PRE-EXTRAORDINARY>                      13,418
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    10,151
<EPS-PRIMARY>                                     1.53
<EPS-DILUTED>                                     1.53
<YIELD-ACTUAL>                                    8.51
<LOANS-NON>                                        888
<LOANS-PAST>                                     2,520
<LOANS-TROUBLED>                                   718
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 5,430
<CHARGE-OFFS>                                    1,070
<RECOVERIES>                                       323
<ALLOWANCE-CLOSE>                                5,713
<ALLOWANCE-DOMESTIC>                             5,713
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0