<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-START> JAN-01-1996 <PERIOD-END> DEC-31-1996 <CASH> 34,101 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 28,400 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 95,919 <INVESTMENTS-CARRYING> 8,082 <INVESTMENTS-MARKET> 8,074 <LOANS> 223,904 <ALLOWANCE> 4,672 <TOTAL-ASSETS> 406,761 <DEPOSITS> 353,404 <SHORT-TERM> 2,188 <LIABILITIES-OTHER> 4,225 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 32,448 <OTHER-SE> 14,496 <TOTAL-LIABILITIES-AND-EQUITY> 406,761 <INTEREST-LOAN> 21,902 <INTEREST-INVEST> 6,156 <INTEREST-OTHER> 1,121 <INTEREST-TOTAL> 29,179 <INTEREST-DEPOSIT> 7,405 <INTEREST-EXPENSE> 7,526 <INTEREST-INCOME-NET> 21,653 <LOAN-LOSSES> 153 <SECURITIES-GAINS> 2 <EXPENSE-OTHER> 16,401 <INCOME-PRETAX> 9,471 <INCOME-PRE-EXTRAORDINARY> 9,471 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 5,580 <EPS-PRIMARY> 1.43 <EPS-DILUTED> 1.43 <YIELD-ACTUAL> 8.48 <LOANS-NON> 4,661 <LOANS-PAST> 11 <LOANS-TROUBLED> 3,425 <LOANS-PROBLEM> 4,060 <ALLOWANCE-OPEN> 6,265 <CHARGE-OFFS> 1,976 <RECOVERIES> 230 <ALLOWANCE-CLOSE> 4,672 <ALLOWANCE-DOMESTIC> 4,672 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 4,672