<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
REGISTRANT'S BALANCE SHEET AS OF DECEMBER 31, 1996 AND THE STATEMENT OF INCOME
FOR THE TWELVE MONTHS ENDED DECEMBER 31, 1996, AND IS QUALIFIED IN ITS ENTIRETY
BY REFERENCE TO SUCH BALANCE SHEET AND STATEMENT OF INCOME AND THE NOTES
THERETO.
</LEGEND>
       
                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               DEC-31-1996
<CASH>                                          33,673
<INT-BEARING-DEPOSITS>                           3,957
<FED-FUNDS-SOLD>                                14,900
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     39,477
<INVESTMENTS-CARRYING>                           5,575
<INVESTMENTS-MARKET>                             5,588
<LOANS>                                        291,766
<ALLOWANCE>                                     (4,744)
<TOTAL-ASSETS>                                 410,505
<DEPOSITS>                                     370,966
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              3,149
<LONG-TERM>                                        168
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        15,406
<OTHER-SE>                                      20,816
<TOTAL-LIABILITIES-AND-EQUITY>                 410,505
<INTEREST-LOAN>                                 30,939
<INTEREST-INVEST>                                4,073
<INTEREST-OTHER>                                   135
<INTEREST-TOTAL>                                35,147
<INTEREST-DEPOSIT>                               9,850
<INTEREST-EXPENSE>                               9,869
<INTEREST-INCOME-NET>                           25,278
<LOAN-LOSSES>                                    2,200
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 21,700
<INCOME-PRETAX>                                  6,642
<INCOME-PRE-EXTRAORDINARY>                       6,642
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     4,183
<EPS-PRIMARY>                                     0.95
<EPS-DILUTED>                                     0.95
<YIELD-ACTUAL>                                     6.4
<LOANS-NON>                                     11,623
<LOANS-PAST>                                     2,829
<LOANS-TROUBLED>                                 4,787
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 3,644
<CHARGE-OFFS>                                    1,603
<RECOVERIES>                                       503
<ALLOWANCE-CLOSE>                                4,744
<ALLOWANCE-DOMESTIC>                             4,744
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0