<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