<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-END> DEC-31-1996 <CASH> 10,152 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 39,871 <INVESTMENTS-CARRYING> 11,713 <INVESTMENTS-MARKET> 11,762 <LOANS> 138,011 <ALLOWANCE> 1,925 <TOTAL-ASSETS> 204,158 <DEPOSITS> 178,129 <SHORT-TERM> 5,767 <LIABILITIES-OTHER> 1,974 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 1,805 <OTHER-SE> 16,484 <TOTAL-LIABILITIES-AND-EQUITY> 204,158 <INTEREST-LOAN> 11,757 <INTEREST-INVEST> 2,883 <INTEREST-OTHER> 184 <INTEREST-TOTAL> 14,824 <INTEREST-DEPOSIT> 7,156 <INTEREST-EXPENSE> 7,769 <INTEREST-INCOME-NET> 7,055 <LOAN-LOSSES> 180 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 4,715 <INCOME-PRETAX> 3,150 <INCOME-PRE-EXTRAORDINARY> 3,150 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,156 <EPS-PRIMARY> 2.39 <EPS-DILUTED> 2.39 <YIELD-ACTUAL> 4.02 <LOANS-NON> 247 <LOANS-PAST> 275 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 1,329 <ALLOWANCE-OPEN> 1,781 <CHARGE-OFFS> 73 <RECOVERIES> 37 <ALLOWANCE-CLOSE> 1,925 <ALLOWANCE-DOMESTIC> 1,925 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0