<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM AUDITED
FINANCIAL STATEMENTS AS OF AND FOR THE YEAR ENDED DECEMBER 31, 1996 AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               DEC-31-1996
<CASH>                                           7,134
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                10,635
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     21,827
<INVESTMENTS-CARRYING>                          20,993
<INVESTMENTS-MARKET>                            21,172
<LOANS>                                        217,587
<ALLOWANCE>                                      2,523
<TOTAL-ASSETS>                                 292,565
<DEPOSITS>                                     235,574
<SHORT-TERM>                                    14,977
<LIABILITIES-OTHER>                              2,150
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           978
<OTHER-SE>                                      38,885
<TOTAL-LIABILITIES-AND-EQUITY>                 292,565
<INTEREST-LOAN>                                 16,969
<INTEREST-INVEST>                                2,293
<INTEREST-OTHER>                                   412
<INTEREST-TOTAL>                                19,674
<INTEREST-DEPOSIT>                               8,249
<INTEREST-EXPENSE>                               8,837
<INTEREST-INCOME-NET>                           10,837
<LOAN-LOSSES>                                      575
<SECURITIES-GAINS>                                   1
<EXPENSE-OTHER>                                  6,793
<INCOME-PRETAX>                                  4,953
<INCOME-PRE-EXTRAORDINARY>                       4,953
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,436
<EPS-PRIMARY>                                     1.05
<EPS-DILUTED>                                     1.05
<YIELD-ACTUAL>                                    5.32<F1>
<LOANS-NON>                                        423
<LOANS-PAST>                                       528
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,735
<CHARGE-OFFS>                                      759
<RECOVERIES>                                       160
<ALLOWANCE-CLOSE>                                2,523<F2>
<ALLOWANCE-DOMESTIC>                             2,523
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
<FN>
<F1>Computed on a tax-equivalent basis.
<F2>Includes allowance of acquired subsidiaries.
</FN>