<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE DEC. 31,
1996 ANNUAL REPORT AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               DEC-31-1996
<CASH>                                       4,748,000
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                             1,100,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 35,124,000
<INVESTMENTS-CARRYING>                       1,789,000
<INVESTMENTS-MARKET>                         1,888,000
<LOANS>                                     53,879,000
<ALLOWANCE>                                  1,207,000
<TOTAL-ASSETS>                             104,913,000
<DEPOSITS>                                  92,207,000
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                            817,000
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     7,324,000
<OTHER-SE>                                   4,565,000
<TOTAL-LIABILITIES-AND-EQUITY>             104,913,000
<INTEREST-LOAN>                              5,613,000
<INTEREST-INVEST>                            2,233,000
<INTEREST-OTHER>                               199,000
<INTEREST-TOTAL>                             8,045,000
<INTEREST-DEPOSIT>                           2,992,000
<INTEREST-EXPENSE>                             262,000
<INTEREST-INCOME-NET>                        4,791,000
<LOAN-LOSSES>                                  310,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              4,676,000
<INCOME-PRETAX>                                894,000
<INCOME-PRE-EXTRAORDINARY>                     894,000
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   640,000
<EPS-PRIMARY>                                      .47
<EPS-DILUTED>                                      .47
<YIELD-ACTUAL>                                    5.15
<LOANS-NON>                                    898,000
<LOANS-PAST>                                    52,000
<LOANS-TROUBLED>                             1,463,000
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               959,000
<CHARGE-OFFS>                                  334,000
<RECOVERIES>                                   272,000
<ALLOWANCE-CLOSE>                            1,207,000
<ALLOWANCE-DOMESTIC>                         1,207,000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        671,000