<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-START> JAN-01-1996 <PERIOD-END> DEC-31-1996 <CASH> 29,968 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 3,800 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 74,533 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 347,864 <ALLOWANCE> 4,947 <TOTAL-ASSETS> 476,013 <DEPOSITS> 415,326 <SHORT-TERM> 8,096 <LIABILITIES-OTHER> 2,672 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 37,738 <OTHER-SE> 12,181 <TOTAL-LIABILITIES-AND-EQUITY> 476,013 <INTEREST-LOAN> 30,145 <INTEREST-INVEST> 4,256 <INTEREST-OTHER> 566 <INTEREST-TOTAL> 34,967 <INTEREST-DEPOSIT> 11,090 <INTEREST-EXPENSE> 11,727 <INTEREST-INCOME-NET> 23,240 <LOAN-LOSSES> (470) <SECURITIES-GAINS> 14 <EXPENSE-OTHER> 21,228 <INCOME-PRETAX> 7,648 <INCOME-PRE-EXTRAORDINARY> 7,648 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 4,455 <EPS-PRIMARY> 0.60 <EPS-DILUTED> 0 <YIELD-ACTUAL> 5.58 <LOANS-NON> 2,846 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 5,734 <CHARGE-OFFS> 869 <RECOVERIES> 552 <ALLOWANCE-CLOSE> 4,947 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0