<ARTICLE> 9
       
                                                                                            
<PERIOD-TYPE>                   3-MOS                   3-MOS                   12-MOS                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1996             DEC-31-1995             DEC-31-1996             DEC-31-1995
<PERIOD-END>                               DEC-31-1996             DEC-31-1995             DEC-31-1996             DEC-31-1995
<CASH>                                          38,088                  26,156                  38,088                  26,156
<INT-BEARING-DEPOSITS>                           2,159                   5,294                   2,159                   5,294
<FED-FUNDS-SOLD>                                   000                  23,500                     000                  23,500
<TRADING-ASSETS>                                   000                     000                     000                     000
<INVESTMENTS-HELD-FOR-SALE>                    181,815                 145,857                 181,815                 145,857
<INVESTMENTS-CARRYING>                           2,151                   2,369                   2,151                   2,369
<INVESTMENTS-MARKET>                             2,245                   2,503                   2,245                   2,503
<LOANS>                                        484,085                 454,905                 484,085                 454,905
<ALLOWANCE>                                    (6,191)                 (5,580)                 (6,191)                 (5,580)
<TOTAL-ASSETS>                                 736,552                 677,313                 736,552                 677,313
<DEPOSITS>                                     558,343                 534,587                 558,343                 534,587
<SHORT-TERM>                                    56,358                  23,241                  56,358                  23,241
<LIABILITIES-OTHER>                              9,086                   9,579                   9,086                   9,579
<LONG-TERM>                                     42,506                  45,400                  42,506                  45,400
<PREFERRED-MANDATORY>                              000                     000                     000                     000
<PREFERRED>                                        000                     000                     000                     000
<COMMON>                                         4,854                   2,427                   4,854                   2,427
<OTHER-SE>                                      65,405                  62,079                  65,405                  62,079
<TOTAL-LIABILITIES-AND-EQUITY>                 736,552                 677,313                 736,552                 677,313
<INTEREST-LOAN>                                 10,510                  10,135                  40,670                  38,968
<INTEREST-INVEST>                                2,729                   2,155                  10,443                   9,325
<INTEREST-OTHER>                                   138                     514                     773                     856
<INTEREST-TOTAL>                                13,377                  12,804                  51,886                  49,149
<INTEREST-DEPOSIT>                               5,948                   5,822                  23,190                  22,029
<INTEREST-EXPENSE>                               7,089                   6,830                  27,644                  25,529
<INTEREST-INCOME-NET>                            6,288                   5,974                  24,242                  23,620
<LOAN-LOSSES>                                      221                     146                   1,408                     820
<SECURITIES-GAINS>                                 309                     124                   1,889                     413
<EXPENSE-OTHER>                                  4,649                   4,065                  19,507                  17,323
<INCOME-PRETAX>                                  3,043                   2,808                  10,691                  10,458
<INCOME-PRE-EXTRAORDINARY>                       3,043                   2,808                  10,691                  10,458
<EXTRAORDINARY>                                    000                     000                     000                     000
<CHANGES>                                          000                     000                     000                     000
<NET-INCOME>                                     2,336                   2,090                   8,006                   7,574
<EPS-PRIMARY>                                      .49                     .44                    1.70                    1.58
<EPS-DILUTED>                                      .49                     .44                    1.70                    1.58
<YIELD-ACTUAL>                                    4.17                    3.96                    3.98                    4.13
<LOANS-NON>                                      1,697                     977                   1,697                     977
<LOANS-PAST>                                       247                     226                     247                     226
<LOANS-TROUBLED>                                   000                     000                     000                     000
<LOANS-PROBLEM>                                    000                     000                     000                     000
<ALLOWANCE-OPEN>                                 6,240                   5,617                   5,580                   5,124
<CHARGE-OFFS>                                    (296)                   (219)                   (926)                   (495)
<RECOVERIES>                                        26                      36                     129                     131
<ALLOWANCE-CLOSE>                                6,191                   5,580                   6,191                   5,580
<ALLOWANCE-DOMESTIC>                             3,431                   3,100                   3,431                   3,100
<ALLOWANCE-FOREIGN>                                000                     000                     000                     000
<ALLOWANCE-UNALLOCATED>                          2,760                   2,480                   2,760                   2,480