<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-END> DEC-31-1996 <CASH> 5,236 <INT-BEARING-DEPOSITS> 1,554 <FED-FUNDS-SOLD> 2,936 <TRADING-ASSETS> 934 <INVESTMENTS-HELD-FOR-SALE> 33,057 <INVESTMENTS-CARRYING> 33,057 <INVESTMENTS-MARKET> 33,421 <LOANS> 108,926 <ALLOWANCE> 1,620 <TOTAL-ASSETS> 157,556 <DEPOSITS> 137,259 <SHORT-TERM> 0 <LIABILITIES-OTHER> 2,102 <LONG-TERM> 2,339 <COMMON> 204 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 15,411 <TOTAL-LIABILITIES-AND-EQUITY> 157,556 <INTEREST-LOAN> 9,638 <INTEREST-INVEST> 1,866 <INTEREST-OTHER> 477 <INTEREST-TOTAL> 11,981 <INTEREST-DEPOSIT> 4,981 <INTEREST-EXPENSE> 5,139 <INTEREST-INCOME-NET> 6,842 <LOAN-LOSSES> 240 <SECURITIES-GAINS> (5) <EXPENSE-OTHER> 4,793 <INCOME-PRETAX> 3,086 <INCOME-PRE-EXTRAORDINARY> 2,248 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,248 <EPS-PRIMARY> 2.30 <EPS-DILUTED> 2.30 <YIELD-ACTUAL> 4.7 <LOANS-NON> 14 <LOANS-PAST> 203 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,433 <CHARGE-OFFS> 68 <RECOVERIES> 15 <ALLOWANCE-CLOSE> 1,620 <ALLOWANCE-DOMESTIC> 1,620 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0