<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM 10K AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
                                                  
<PERIOD-TYPE>                   YEAR                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1996             DEC-31-1995
<PERIOD-START>                             JAN-01-1996             JAN-01-1995
<PERIOD-END>                               DEC-31-1996             DEC-31-1995
<CASH>                                          16,929                  16,758
<INT-BEARING-DEPOSITS>                               0                       0
<FED-FUNDS-SOLD>                                29,300                  14,800
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                     26,871                  10,021
<INVESTMENTS-CARRYING>                          41,311                  51,199
<INVESTMENTS-MARKET>                            41,667                  52,163
<LOANS>                                        183,393                 154,696
<ALLOWANCE>                                      4,969                   4,960
<TOTAL-ASSETS>                                 302,178                 250,839
<DEPOSITS>                                     266,447                 220,098
<SHORT-TERM>                                         0                       0
<LIABILITIES-OTHER>                              1,584                   1,381
<LONG-TERM>                                          0                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                        31,739                  36,751
<OTHER-SE>                                       2,408                 (7,391)
<TOTAL-LIABILITIES-AND-EQUITY>                 302,178                 250,839
<INTEREST-LOAN>                                 16,862                  15,999
<INTEREST-INVEST>                                4,077                   4,239
<INTEREST-OTHER>                                   596                     630
<INTEREST-TOTAL>                                21,535                  20,868
<INTEREST-DEPOSIT>                               5,367                   5,025
<INTEREST-EXPENSE>                               5,398                   5,036
<INTEREST-INCOME-NET>                           16,137                  15,832
<LOAN-LOSSES>                                      600                   2,565
<SECURITIES-GAINS>                                   0                       0
<EXPENSE-OTHER>                                 10,905                  11,218
<INCOME-PRETAX>                                  5,410                   3,145
<INCOME-PRE-EXTRAORDINARY>                       5,410                   3,145
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     4,150                   3,010
<EPS-PRIMARY>                                      .90                     .67
<EPS-DILUTED>                                      .90                     .67
<YIELD-ACTUAL>                                    .068                    .069
<LOANS-NON>                                      2,811                   2,859
<LOANS-PAST>                                       322                     325
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                 4,960                   3,216
<CHARGE-OFFS>                                    1,068                   1,416
<RECOVERIES>                                       477                     595
<ALLOWANCE-CLOSE>                                4,969                   4,960
<ALLOWANCE-DOMESTIC>                             4,969                   4,960
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                          1,809                   1,334