<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 <CHANGES> 0 <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