<ARTICLE> 9

                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                           DEC-1-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               DEC-31-1996
<CASH>                                          11,619
<INT-BEARING-DEPOSITS>                             667
<FED-FUNDS-SOLD>                                12,890
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     14,387
<INVESTMENTS-CARRYING>                          25,377
<INVESTMENTS-MARKET>                            25,427
<LOANS>                                        254,948
<ALLOWANCE>                                      2,699
<TOTAL-ASSETS>                                 331,803
<DEPOSITS>                                     298,014
<SHORT-TERM>                                     9,269
<LIABILITIES-OTHER>                              1,643
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        22,717
<OTHER-SE>                                           0
<TOTAL-LIABILITIES-AND-EQUITY>                 331,803
<INTEREST-LOAN>                                 21,011
<INTEREST-INVEST>                                2,733
<INTEREST-OTHER>                                   275
<INTEREST-TOTAL>                                24,059
<INTEREST-DEPOSIT>                              10,263
<INTEREST-EXPENSE>                              10,524
<INTEREST-INCOME-NET>                           13,535
<LOAN-LOSSES>                                      944
<SECURITIES-GAINS>                                 112
<EXPENSE-OTHER>                                 11,278
<INCOME-PRETAX>                                  3,653
<INCOME-PRE-EXTRAORDINARY>                       3,653
<EXTRAORDINARY>                                      0
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<NET-INCOME>                                     2,137
<EPS-BASIC>                                        .59
<EPS-DILUTED>                                      .57
<YIELD-ACTUAL>                                    4.62
<LOANS-NON>                                      2,878
<LOANS-PAST>                                       282
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  3,160
<ALLOWANCE-OPEN>                                 3,924
<CHARGE-OFFS>                                    2,539
<RECOVERIES>                                       370
<ALLOWANCE-CLOSE>                                2,699
<ALLOWANCE-DOMESTIC>                             2,699
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0