<ARTICLE> 9 <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-START> JAN-01-1996 <PERIOD-END> DEC-31-1996 <CASH> 22,492 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 15,500 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 65,486 <INVESTMENTS-CARRYING> 5,914 <INVESTMENTS-MARKET> 6,021 <LOANS> 121,979 <ALLOWANCE> 3,158 <TOTAL-ASSETS> 236,915 <DEPOSITS> 185,467 <SHORT-TERM> 24,608 <LIABILITIES-OTHER> 3,647 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 11,041 <OTHER-SE> 12,152 <TOTAL-LIABILITIES-AND-EQUITY> 236,915 <INTEREST-LOAN> 12,845 <INTEREST-INVEST> 4,571 <INTEREST-OTHER> 832 <INTEREST-TOTAL> 18,248 <INTEREST-DEPOSIT> 3,435 <INTEREST-EXPENSE> 4,813 <INTEREST-INCOME-NET> 13,435 <LOAN-LOSSES> 900 <SECURITIES-GAINS> 114 <EXPENSE-OTHER> 10,539 <INCOME-PRETAX> 6,894 <INCOME-PRE-EXTRAORDINARY> 6,894 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 4,128 <EPS-PRIMARY> 1.85 <EPS-DILUTED> 1.85 <YIELD-ACTUAL> .067 <LOANS-NON> 159 <LOANS-PAST> 50 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,478 <CHARGE-OFFS> 352 <RECOVERIES> 132 <ALLOWANCE-CLOSE> 3,158 <ALLOWANCE-DOMESTIC> 3,158 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0