<ARTICLE> 9 <LEGEND> This schedule contains summary financial information extracted from (a) Item 7 - "Financial Statements and Supplementary Data" and is qualified in its entirety by reference to such (b) financial statements included in this report and incorporated herein by reference. </LEGEND> <MULTIPLIER> 1,000 <CURRENCY> U.S. DOLLARS <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-START> JAN-01-1996 <PERIOD-END> DEC-31-1996 <EXCHANGE-RATE> 1 <CASH> 37,522 <INT-BEARING-DEPOSITS> 999 <FED-FUNDS-SOLD> 23,135 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 0 <INVESTMENTS-CARRYING> 70,877 <INVESTMENTS-MARKET> 70,835 <LOANS> 241,460 <ALLOWANCE> 4,372 <TOTAL-ASSETS> 376,832 <DEPOSITS> 338,663 <SHORT-TERM> 0 <LIABILITIES-OTHER> 1,837 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 30,856 <OTHER-SE> 5,476 <TOTAL-LIABILITIES-AND-EQUITY> 376,832 <INTEREST-LOAN> 22,330 <INTEREST-INVEST> 4,936 <INTEREST-OTHER> 2,035 <INTEREST-TOTAL> 29,301 <INTEREST-DEPOSIT> 9,859 <INTEREST-EXPENSE> 9,859 <INTEREST-INCOME-NET> 19,442 <LOAN-LOSSES> 352 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 11,115 <INCOME-PRETAX> 9,431 <INCOME-PRE-EXTRAORDINARY> 9,431 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 5,860 <EPS-PRIMARY> 1.24 <EPS-DILUTED> 1.24 <YIELD-ACTUAL> 6.00 <LOANS-NON> 604 <LOANS-PAST> 209 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 4,446 <CHARGE-OFFS> 620 <RECOVERIES> 194 <ALLOWANCE-CLOSE> 4,372 <ALLOWANCE-DOMESTIC> 4,372 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0