<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